The exam pulls from New York public adjuster regulations, insurance basics, property forms, claims handling, commercial coverages, businessowners policies, flood, marine, and other specialty topics. Claim Class organizes the material into the sections candidates actually need to prepare.
A fixed, multiple-choice bank drawn from all eight content areas.
One minute per question. Pacing is part of the test.
Recognition, recall, and wording traps under time pressure.
Regulations through specialty coverages — each with its own weight.
Questions built around the same subjects and distinctions.
Study time goes where the exam actually puts its points.
42 of 60 correct. No partial credit, no negotiating with the scale.
Your score report prints at the test center before you leave the room.
What each area covers, and how Atlas trains it.
What it covers: Licensing, contracts, fees, records, cancellation rights, unfair claims practices, and prohibited conduct.
How Atlas trains it: Drills the rules candidates are most likely to blur — timelines, disclosures, and what a public adjuster can and cannot do.
What it covers: Risk, insurable interest, perils, hazards, policy structure, indemnity, ACV, replacement cost, coinsurance, waiver, and estoppel.
How Atlas trains it: Locks down the core definitions so the rest of the exam stops feeling like a foreign language.
What it covers: Duties after loss, proof of loss, burden of proof, estimates, depreciation, salvage, settlement options, appraisal, mediation, arbitration, negotiation, reservation of rights, and nonwaiver agreements.
How Atlas trains it: Drills the distinctions until appraisal, arbitration, mediation, proof of loss, salvage, and settlement options stop blending together.
What it covers: DP-1, DP-2, DP-3, Coverage A–E, basic/broad/special forms, perils, exclusions, fair rental value, and ALE.
How Atlas trains it: Compares the forms side by side so the peril and exclusion differences are obvious under time pressure.
What it covers: HO forms, Section I property coverages, loss of use, personal property limits, endorsements, and exclusions.
How Atlas trains it: Focuses on the limits and endorsements the exam loves to test in disguise.
What it covers: Common declarations, conditions, building and personal property, causes of loss, business income, extra expense, inland marine, and equipment breakdown.
How Atlas trains it: Separates the causes-of-loss forms and business-income concepts that trip up most candidates.
What it covers: Eligibility, property coverage, optional and additional coverages, exclusions, protective safeguards, and utility services endorsements.
How Atlas trains it: Clarifies what the BOP includes by default versus what has to be added.
What it covers: NFIP, flood, Write Your Own, increased cost of compliance, ocean marine, hull, cargo, freight, aviation, watercraft, and difference in conditions.
How Atlas trains it: Keeps the specialty lines organized so the last stretch of the outline doesn't get skipped.
The material is too broad for random study. Atlas keeps every topic in its lane, tracks missed concepts, and brings weak areas back before they cost points again.
Sixty multiple-choice questions in sixty minutes, drawn from all eight content areas. One minute per question — pacing is part of the test.
New York public adjuster regulations, insurance basics, adjusting losses, dwelling property, homeowners, commercial package policies, businessowners policies, and other coverages including flood, marine, and specialty lines.
No — each content area has its own weight. Claim Class weights review the same way, so study time goes where the exam actually puts its points.
The material is organized by section, practiced with state-style questions, and corrected through missed-question review — weak areas come back until they hold.
Organize the eight areas, practice the format, and correct the misses before test day.