10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The LA-PCADJ exam has 150 questions and runs 2 hours 40 minutes.
These 10 free LA-PCADJ questions are organized by exam domain, so you can see how each part of the Louisiana Property and Casualty Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A third-party claimant is represented by counsel. The claimant telephones the insurer's adjuster directly and says, 'My lawyer is unavailable, but I will accept $18,000 today.' The adjuster already knows of the representation. Which response complies with Louisiana claims-adjuster conduct requirements?
Correct answer: C - Obtain counsel's consent before discussing or effecting settlement
On August 20, 2026, a Louisiana claims adjuster sends an insured an ordinary claim-status email and a separate text message. Neither communication displays the adjuster's Louisiana license number. Under the current electronic-communication rule, which statement is correct?
Correct answer: B - The email violates the rule; the text message is excluded from this specific requirement
A property policy excludes wear and tear, otherwise covers accidental discharge of water, and preserves ensuing loss from a covered cause. A corroded supply line suddenly fails, damaging otherwise sound flooring and drywall. Which coverage position best separates the causes?
Correct answer: A - Exclude the pipe; cover the resulting flooring and drywall damage, subject to other policy terms
Under current Louisiana comparative-fault law, a claimant has $240,000 in compensatory damages and is found 35% at fault. The insured is 65% at fault, and the applicable liability limit is $100,000. Ignoring supplementary payments, what is the insurer's maximum indemnity payment?
Correct answer: B - $100,000
After a covered fire, a family incurs $6,500 in necessary temporary housing, food, and utility expense for one month. Their normal monthly expense for those items is $4,000, but $500 of normal utility expense is not incurred while the home is uninhabitable. Before any policy limit, what amount qualifies as additional living expense?
Correct answer: C - $3,000
A Louisiana personal auto policy carries bodily injury liability limits of $100,000 per person and $300,000 per accident. The named insured did not sign the commissioner's prescribed form rejecting UM coverage, selecting lower UM limits, or choosing economic-only coverage. What UM bodily injury limits apply?
Correct answer: D - $100,000/$300,000, equal to the liability limits
A commercial building has been unoccupied for 75 days because walls, plumbing, and electrical systems are being replaced under an active renovation project. A covered windstorm damages the roof. The policy contains the standard commercial property vacancy condition. How should vacancy affect the claim?
Correct answer: A - No vacancy penalty applies because a building under active renovation is not considered vacant
A retailer is sued after a defective toaster it sold overheats in a customer's home. The toaster is destroyed, and the fire damages kitchen cabinets that were not part of the retailer's product. Under a standard CGL analysis, which result is most accurate?
Correct answer: D - Exclude the toaster itself; evaluate the resulting cabinet damage under Coverage A
A sales employee uses the employee's spouse's SUV for a two-day trade show on company business. The company does not own, lease, hire, rent, or borrow the SUV. Which Business Auto covered-auto symbol most specifically addresses the company's liability exposure from this use?
Correct answer: C - Symbol 9 - Nonowned Autos Only
An adjuster arrives at a fire-damaged restaurant before the fire department has released the scene. A strong gas odor is present, part of the floor is sagging, and the owner asks the adjuster to enter immediately to photograph the kitchen. What should the adjuster do first?
Correct answer: B - Keep everyone out and coordinate with emergency authorities or the utility before inspecting
The LA-PCADJ exam also covers these domains. Drill them in the full free practice test:
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