Curriculum: Indiana Independent Adjuster Prelicensing (40-Hour)

Orient Indiana Independent Adjuster candidates to the Indiana Department of Insurance (IDOI) authority under Title 27, independent adjuster licensing under IC 27-1-28 (and the IC 27-1-27 backdrop for comparison to public adjusters and company adjusters), continuing education under IC 27-1-15.7, the unfair claims settlement practices catalog of IC 27-4-1-4.5, fundamental insurance contract elements (offer/acceptance, consideration, legal purpose, competent parties, insurable interest), the legal characteristics of insurance contracts (aleatory, adhesion, unilateral, conditional, personal, indemnity), utmost good faith, representations/warranties/concealment/fraud, indemnity, subrogation and salvage, actual cash value versus replacement cost, coinsurance, Indiana's at-fault tort system under IC 27-7-9, modified comparative fault under IC 34-51-2 with the 51% bar to recovery, and mandatory UM/UIM coverage under IC 27-7-5 — all aligned to the Pearson VUE Indiana Independent Adjuster examination outline.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 1: Orientation, Indiana Independent Adjuster Licensing Framework, and Foundational Insurance Principles.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.

Master the ISO Homeowners forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8) and their architecture and adjuster scope-of-loss implications, the HO coverage parts A through F (dwelling, other structures, personal property, loss of use, personal liability, medical payments to others), the Dwelling Fire policies (DP-1, DP-2, DP-3), mobile homeowners forms (MH-1, MH-2), actual cash value versus replacement cost adjustments, coinsurance and agreed value calculations on commercial property losses, the ISO Commercial Property forms (Building and Personal Property Coverage Form CP 00 10, Causes of Loss forms CP 10 10/CP 10 20/CP 10 30, Business Income CP 00 30), Indiana cancellation and non-renewal under IC 27-7-2, the Indiana FAIR Plan as the property residual market, the New Madrid Seismic Zone and earthquake endorsement claims, the National Flood Insurance Program (NFIP) claim handling (Standard Flood Insurance Policy, Proof of Loss requirements, Increased Cost of Compliance), inland marine (Nationwide Marine Definition, transit, builders risk, installation, contractors' equipment), personal articles floaters, and personal umbrella claims — at the depth required to handle property losses as an Indiana Independent Adjuster.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 2: Property Insurance Claims — Homeowners, Dwelling Fire, Commercial Property, NFIP, Inland Marine, and the Indiana FAIR Plan.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.

Master the ISO Personal Auto Policy (PAP) PP 00 01 and its six coverage parts from an adjuster perspective (Liability, Medical Payments, Uninsured/Underinsured Motorists, Damage to Your Auto, Duties After Loss, General Provisions), the Indiana mandatory financial responsibility law under IC 27-7-5 (including IC 27-7-5-2 minimum auto liability limits of 25/50/25), SR-22 filings, mandatory UM/UIM under IC 27-7-5-2, the Indiana Auto Insurance Plan (IAIP) under IC 27-7-6, Indiana's at-fault tort system under IC 27-7-9, modified comparative fault and the 51% bar under IC 34-51-2, the ISO Business Auto Policy (BAP) CA 00 01, Hired and Non-Owned Auto, Garage Liability, the MCS-90 endorsement for motor carriers, Transportation Network Companies, the Commercial General Liability policy (ISO CG 00 01), occurrence versus claims-made triggers, products-completed operations, Indiana Workers' Compensation under IC 22-3 and its statutory benefit schedule, Indiana Medical Malpractice and the Patient's Compensation Fund under IC 34-18, Errors and Omissions and professional liability claims, Directors and Officers (D&O) and Employment Practices Liability (EPLI), Cyber Liability first-party and third-party coverage, Indiana Dram Shop and liquor liability, and surety bond claims (contract, license/permit, fiduciary, judicial) — at the depth required to handle casualty losses as an Indiana Independent Adjuster.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 3: Casualty Insurance Claims — Auto, CGL, Workers' Compensation, Medical Malpractice, E&O, D&O, Cyber, Liquor, and Surety.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.

Master the full claims-handling lifecycle from first notice of loss through closure: FNOL intake and assignment, coverage analysis and policy interpretation, scope-of-loss inspections and photo/video documentation, recorded statements and the Indiana rules on disclosure, ISO ClaimSearch and CLUE database utilization, scene reconstruction and accident investigation, witness statement protocols, expert engagement (engineers, IME physicians, accountants, contractors), reserving methodology (case reserves, IBNR, statistical reserves, stair-step versus mean reserves), the Indiana 15-day acknowledgment rule and 30-day decision rule under IC 27-4-1-4.5, reservation-of-rights letters and non-waiver agreements, declination letters, partial denials and supplemental claims, subrogation and salvage recovery, structured settlements and lump-sum negotiations, releases (full, partial, walk-away, hold-harmless), Indiana common-law bad faith under Erie Insurance v. Hurst (1993), and statutory unfair-claims-practice penalties — at the depth required to handle the full claims lifecycle as an Indiana Independent Adjuster.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 4: The Claims-Handling Lifecycle, Investigation, Documentation, Reserving, Reservation of Rights, and Indiana Bad Faith.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.

Cover ocean marine claims (hull, cargo, freight, P&I, the four perils, general average, particular average, sue and labor, jettison), inland marine claims deep dive (Nationwide Marine Definition, transit losses, contractors' equipment, builders risk, installation, EDP/cyber-equipment, jewelers block, fine arts), aviation claims (hull, liability, passenger, in-flight versus on-ground), Crime insurance claims under ISO CR 00 21 and CR 00 22 (employee theft, forgery, computer fraud, funds transfer fraud, money and securities), Cyber liability claims deep dive (ransomware response, breach notification, business interruption from network outage, regulatory action coverage), Surety bond claims procedures, Indiana Workers' Compensation Board procedure and the medical fee schedule under IC 22-3, the Workers' Compensation Second Injury Fund, the statutory disability schedule, vocational rehabilitation under IC 22-3, and Excess and Umbrella Liability claim handling — at the depth required for specialty claims handling as an Indiana Independent Adjuster.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 5: Specialty Claims — Marine, Aviation, Crime, Cyber, Surety, Bonds, Workers' Compensation Deep Dive, and Indiana Workers' Compensation Board.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.

Master Indiana independent adjuster license maintenance under IC 27-1-28 (license renewal, address change, criminal-conviction reporting, CE compliance under IC 27-1-15.7), the full Indiana unfair-trade-practice catalog under IC 27-4-1, all sixteen unfair claims settlement practices under IC 27-4-1-4.5, the Indiana Insurance Fraud Unit and criminal fraud statutes under IC 35-43-5 and IC 27-1-31, the Indiana Insurance Guaranty Association (P&C) under IC 27-6-8 and the Indiana Life and Health Insurance Guaranty Association under IC 27-8-8, genetic-information protections under IC 27-2-21, cybersecurity 3-business-day IDOI notice under IC 27-2-27-21 and 45-day consumer breach notification under IC 24-4.9, the Indiana Workers' Compensation Board procedures, mechanic's lien under IC 32-28-3, federal compliance overlay (HIPAA for medical records, GLBA for nonpublic personal information, FCRA for consumer reports, ADA for disability accommodation, Fair Claims Practices), the National Association of Public Insurance Adjusters and ethics codes, conflict-of-interest analysis, fiduciary duties to insureds and insurers, anti-trust and anti-rebating rules, social-media and advertising rules for adjusters, and the Indiana ethics catalog — at the depth required for professional Indiana Independent Adjuster practice.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 6: Indiana Insurance Law, Federal Compliance, Fraud, Ethics, and Professional Adjuster Practice.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.

Consolidate Indiana Independent Adjuster licensing under IC 27-1-28, continuing education under IC 27-1-15.7, the full Indiana unfair-trade-practice catalog under IC 27-4-1 and the sixteen unfair claims settlement practices under IC 27-4-1-4.5, cancellation and non-renewal of property insurance under IC 27-7-2, mandatory financial responsibility under IC 27-7-5, the Indiana Auto Insurance Plan under IC 27-7-6, Indiana's at-fault tort system under IC 27-7-9, modified comparative fault under IC 34-51-2, Workers' Compensation under IC 22-3, Medical Malpractice under IC 34-18, the Indiana Insurance Guaranty Association (P&C) under IC 27-6-8 and the Indiana Life and Health Insurance Guaranty Association under IC 27-8-8, genetic-information protections under IC 27-2-21, cybersecurity 3-business-day IDOI notice under IC 27-2-27-21 and 45-day consumer breach notification under IC 24-4.9, the ISO PAP/BAP/HO/DP/CGL/Commercial Property/Crime forms, claims-handling lifecycle, reservation of rights, Indiana common-law bad faith, federal compliance overlay (HIPAA, GLBA, FCRA, ADA), and the Indiana ethics catalog — and rehearse the Pearson VUE Indiana Independent Adjuster examination via a 100-question Pearson-VUE-style mock final (24 property / 26 casualty / 26 claims-practice / 24 Indiana law and ethics) with answer key.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 7: Comprehensive Review and 100-Question Pearson VUE-Style Mock Final Examination.
• -Apply the lesson's rules to realistic Indiana independent adjuster claim scenarios across auto, homeowners, dwelling fire, commercial property, CGL, workers' compensation, medical malpractice, professional liability, marine, aviation, crime, cyber, surety, and specialty lines.
• -Distinguish mandatory regulatory obligations (IC 27-1-28, IC 27-4-1-4.5, IC 27-1-15.7, IC 27-7-2, IC 27-7-5) from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP/HO/DP/CGL/BAP/Commercial Property/CR form structures, and Indiana statutory limits that shape adjuster decisions in the lesson topic.