CA Cheat Sheet 2026

The 30 highest-yield CA facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. Which of the following best describes 'code upgrade' coverage in a property insurance policy? → Coverage for the added cost of repairing to current building codes after a covered loss
2. In the context of bodily injury settlements, what does 'general damages' refer to? → Non-economic losses such as pain, suffering, and loss of enjoyment of life
3. What is the role of GPS mapping tools in catastrophe (CAT) claims deployment? → To assign adjusters to geographic territories and optimize routing to loss sites
4. When documenting a client consultation in the claim file, an adjuster should record: → The date, method, parties involved, key points discussed, and any commitments made
5. When presenting a professional claims portfolio during a job interview, an adjuster should MOST emphasize which combination of metrics? → Severity trends, reserve accuracy, leakage prevention, and litigation containment outcomes
6. A claimant offers an adjuster a gift card after a favorable settlement. What is the ethical obligation of the adjuster? → Decline it to avoid any appearance of impropriety
7. What is the importance of staying current with trends in Materials & Techniques for Certified Adjuster Designation? → It ensures practices remain effective and relevant
8. What does accountability mean in Certified Adjuster Designation team management? → Taking ownership of responsibilities and outcomes
9. Which of the following is an example of a leading question an adjuster should avoid? → 'You weren't wearing a seatbelt, were you?'
10. An adjuster receives a demand package from a claimant's attorney. What is the correct initial workflow step? → Log receipt, review coverage, and calendar the response deadline
11. When estimating a color match for a pearl (three-stage) finish, an adjuster should anticipate what additional cost compared to a solid color repair? → Higher labor and material costs due to the mid-coat pearl layer requiring precise blending
12. InsurTech startups most commonly disrupt the claims process by: → Offering technology-driven solutions that accelerate claim resolution
13. Which skill is most important for success in Color Theory & Application within Certified Adjuster Designation? → Continuous learning and adaptation
14. When developing a claims portfolio benchmark, 'frequency' is defined as: → The number of claims per unit of exposure
15. What is the importance of staying current with trends in Industry Trends & Innovation for Certified Adjuster Designation? → It ensures practices remain effective and relevant
16. What is active listening in the context of Certified Adjuster Designation? → Fully concentrating on and understanding the speaker's message
17. What does 'round-tripping' refer to in claims workflow management? → Sending a claim back and forth between departments without resolution
18. Carriers increasingly use 'usage-based insurance' (UBI) data in auto claims to: → Reconstruct driving behavior before an accident to determine fault
19. Which technology enables adjusters to conduct remote property inspections using live video feeds from a policyholder's smartphone? → Synchronous video claims handling
20. In California property claims, 'betterment' refers to: → A reduction in settlement when repairs improve the property beyond its pre-loss condition
21. What is the role of an insurance compliance officer? → Ensure compliance with laws and regulations
22. The statute of limitations on an insurance claim is most relevant to an adjuster because: → Missing it may bar the claimant from recovering even a valid claim
23. Which digital feature helps an adjuster ensure that a settlement release document complies with jurisdiction-specific legal language requirements? → Template management with state-specific language libraries within the claims system
24. A damaged custom built-in bookcase has intricate carved details. In estimating replacement, the adjuster must consider: → The cost of custom craftsmanship and materials
25. Under California Insurance Code, what is the maximum number of days an insurer has to acknowledge receipt of a first-party property damage claim? → 10 days
26. In a property claims context, what is the primary use of aerial imagery software such as EagleView or Nearmap? → To measure roof dimensions and assess storm damage remotely without a physical inspection
27. What is the importance of staying current with trends in Color Theory & Application for Certified Adjuster Designation? → It ensures practices remain effective and relevant
28. Which workflow document formally notifies a claimant that an investigation is ongoing and a coverage decision has not yet been made? → Reservation of rights letter
29. What is the role of documentation in Industry Trends & Innovation for Certified Adjuster Designation? → It provides an accurate record for accountability and reference
30. What is the role of documentation in Materials & Techniques for Certified Adjuster Designation? → It provides an accurate record for accountability and reference