Curriculum: New York Public Adjuster Prelicensing (40-Hour)

Lesson 1 — Orientation, NY DFS Authority, and the Public Adjuster License Framework. Section topics include: Lesson 1 — Orientation, NY DFS Authority, and the Public Adjuster License Framew, Section 1 — Course Welcome and Learning Objectives, Section 2 — The PSI NY Public Adjuster Exam, Section 3 — Overview of the New York Department of Financial Services, Section 4 — Structure of the New York Insurance Law and 11 NYCRR, Section 5 — NY Insurance Law §2108 — The Adjuster License Statute.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 1 — Orientation, NY DFS Authority, and the Public Adjuster License Framework.
• -Apply the lesson's rules to realistic New York Public Adjuster Prelicensing (40-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 2 — Claims Fundamentals and Property Insurance Concepts. Section topics include: Lesson 2 — Claims Fundamentals and Property Insurance Concepts, Learning Objectives, Section 1 — Why Claims Fundamentals Matter for Public Adjusters, Section 2 — Insurance Contract Basics: The Six Elements, Section 3 — Insurable Interest in Property, Section 4 — The New York Standard Fire Policy (§3404): 165 Lines in Detail.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 2 — Claims Fundamentals and Property Insurance Concepts.
• -Apply the lesson's rules to realistic New York Public Adjuster Prelicensing (40-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 3: Claims Investigation, Documentation, and the Settlement Process. Section topics include: Learning Objectives, Section 3.1 — Initial Claim Assignment: From Client to Public Adjuster, Section 3.2 — Site Inspection and Scope-of-Loss Documentation, Section 3.3 — Photographs, Video, and Drone Imagery, Section 3.4 — Inventory and Pro-Rated Personal Property Valuation, Section 3.5 — Building Estimates: Xactimate and Similar Tools.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 3: Claims Investigation, Documentation, and the Settlement Process.
• -Apply the lesson's rules to realistic New York Public Adjuster Prelicensing (40-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 4: Specific Loss Types, NY Coastal Issues, and Specialty Claims. Section topics include: Learning Objectives, Section A: Fire Losses — Investigation, Scope, and Contents, Section B: Water Damage — Source, Category, and Mold, Section C: Wind and Hurricane — §3433 and the Long Island Coastal Market, Section D: Hail Damage, Section E: Lightning Strikes and Electronic Damage.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 4: Specific Loss Types, NY Coastal Issues, and Specialty Claims.
• -Apply the lesson's rules to realistic New York Public Adjuster Prelicensing (40-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Public adjuster ethics, contracts, compensation, and compliance. Section topics include: Section 1 — Learning Objectives, Part 1 — The Public Adjuster Licensing Framework: §2108 in Full, Part 2 — Compensation Rules: The Cap, Its Exceptions, and Catastrophe Rates, Part 3 — The Three-Day Rescission Right: §2108(j), Part 4 — The Written Contract Requirement and 11 NYCRR Part 25.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in this lesson's public adjuster ethics, contracts, compensation, and compliance topics.
• -Apply the lesson's rules to realistic New York Public Adjuster Prelicensing (40-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Comprehensive review and PSI 17-62 mock final examination. Section topics include: Learning Objectives, PART I — COMPREHENSIVE COURSE RECAP: LESSONS 1 THROUGH 5, PART II — MASTER STATUTE TABLE, PART III — PSI EXAMINATION STRATEGY, PART IV — 100-QUESTION PSI-STYLE MOCK FINAL EXAMINATION, PART V — ANSWER KEY WITH STATUTE CITATION AND RATIONALE.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Learning Objectives.
• -Apply the lesson's rules to realistic New York Public Adjuster Prelicensing (40-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.