Pass your Louisiana adjuster exam — then go work.
Adjusters Unlimited Academy is Louisiana's most complete P&C licensing boot camp — every policy form, every state regulation, and the full claims process, built specifically for the Louisiana exam and the real-world field behind it.
"I built this course to do two things: get you through that exam, and make sure you're actually ready for what comes after it."— GARY B FOUCHA
What you'll learn
What you'll be able to do
- Identify and explain the key provisions of all major personal and commercial insurance policy types, including Dwelling, Homeowners, BOP, CPP, and Commercial General Liability.
- Interpret insurance contract law principles — including insurable interest, indemnity, subrogation, and utmost good faith — and apply them to real claims scenarios.
- Distinguish between personal and commercial lines coverages (auto, inland marine, farmowners, and more) and accurately match each policy to the risk it covers.
- Navigate Louisiana-specific insurance regulations, licensing requirements, and compliance rules needed to obtain and maintain a state adjuster license.
- Walk through the end-to-end adjustment process — from first notice of loss through investigation, coverage analysis, and final settlement — with confidence and accuracy.
- Sit for the Louisiana Property & Casualty Insurance Adjuster licensing exam fully prepared, with command of the terminology, policy structures, and regulatory framework examiners test.
How it works
A school that adapts to you
This isn't a set of static videos. Every lesson is generated live and tuned to where you actually are.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
19 modules · 48 lessons
Introduction to Insurance Policies
Establishes the foundational concepts of insurance — how it works, how policies are structured, and the core vocabulary every adjuster must command before studying any specific policy type.
- 1.1How Insurance Works: Risk, Peril, and HazardIncluded
- 1.2Anatomy of an Insurance PolicyIncluded
- 1.3Key Insurance Terminology and Policy ProvisionsComing soon
Insurance Contract Law Principles
Examines the legal framework that governs all insurance contracts, equipping students to interpret policy language, apply key doctrines to claims scenarios, and answer contract-law questions on the licensing exam.
- 2.1Elements of a Valid Insurance ContractComing soon
- 2.2Doctrines of Insurable Interest and IndemnityComing soon
- 2.3Subrogation, Utmost Good Faith, and Other Key DoctrinesComing soon
Property & Casualty Basics
Provides the structural overview of the P&C insurance marketplace — distinguishing personal from commercial lines, explaining ISO's role in developing standard forms, and introducing underwriting and rating concepts that context every subsequent policy module.
- 3.1Personal Lines vs. Commercial Lines: Structure and PurposeComing soon
- 3.2ISO Forms, Rating, and Underwriting FundamentalsComing soon
- 3.3Prerequisites Check: Terminology and Concepts CrosswalkComing soon
Introduction to Property Insurance Policies
Lays the structural groundwork for all property insurance modules that follow — covering how covered property is defined, how causes of loss are categorized, how value is measured, and how conditions and exclusions shape every property claim.
- 4.1Property Insurance Structure: Covered Property and Causes of LossComing soon
- 4.2Property Valuation: ACV, Replacement Cost, and Agreed ValueComing soon
- 4.3Common Property Insurance Conditions, Exclusions, and EndorsementsComing soon
Dwelling Insurance Policies
Provides a thorough examination of the three DP policy forms — DP-1, DP-2, and DP-3 — covering their eligibility rules, coverages, exclusions, and conditions, preparing students to handle dwelling policy claims and answer exam questions on this frequently tested policy type.
- 5.1Dwelling Policy Forms: DP-1, DP-2, and DP-3Coming soon
- 5.2Dwelling Policy Coverages, Exclusions, and Key ConditionsComing soon
Homeowners Insurance Policies
Delivers a comprehensive study of the HO policy suite — all six forms, all six coverage sections, key exclusions, and Louisiana-specific endorsements — equipping students to handle the most common personal lines claims and the heaviest exam topic area.
- 6.1HO Forms Overview: HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8Coming soon
- 6.2HO Coverages A Through F: What's Covered and How MuchComing soon
- 6.3HO Exclusions, Endorsements, and Louisiana-Specific IssuesComing soon
Introduction to Casualty Insurance
Bridges the gap between property coverage and liability coverage by grounding students in tort law, the legal theory of negligence, and the structural mechanics of liability policies before they study any specific liability product.
- 7.1Legal Liability Fundamentals: Torts, Negligence, and DamagesComing soon
- 7.2Liability Policy Structure: Occurrence vs. Claims-Made, Limits, and ConditionsComing soon
Personal Auto Insurance Policies
Provides a complete examination of the Personal Auto Policy (PAP) — its structure, all four coverage parts, endorsements, and Louisiana-specific requirements including mandatory UM/UIM limits — to prepare students for both auto claim handling and exam questions.
- 8.1PAP Structure: Declarations, Definitions, and Eligible VehiclesComing soon
- 8.2PAP Coverage Parts A Through D: Liability, Medical, UM/UIM, and Physical DamageComing soon
- 8.3PAP Conditions, Endorsements, and Common Auto Claims ScenariosComing soon
Commercial Auto Insurance Policies
Covers the Business Auto Policy (BAP) — its covered auto symbols, coverage parts, exclusions, and endorsements — and distinguishes commercial auto from personal auto so students can accurately handle business vehicle claims and pass the commercial lines exam questions.
- 9.1Business Auto Policy Structure and Covered Auto SymbolsComing soon
- 9.2BAP Coverages, Exclusions, and Commercial Auto EndorsementsComing soon
Commercial General Liability Policies
Delivers an in-depth study of the CGL policy — the most tested commercial liability form — covering all three coverage parts, the most impactful exclusions, additional insured endorsements, and claims investigation procedures adjusters use on CGL claims.
- 10.1CGL Coverage A: Bodily Injury and Property Damage LiabilityComing soon
- 10.2CGL Coverage B and C: Personal & Advertising Injury and Medical PaymentsComing soon
- 10.3CGL Key Exclusions, Additional Insureds, and Claims InvestigationComing soon
Other Types of Insurance Policies
Surveys the specialty and excess/surplus lines marketplace — umbrella, excess liability, professional liability, cyber liability, and other specialty lines — so students can recognize these policies in a claim file and answer exam questions on their unique coverage features.
- 11.1Umbrella and Excess Liability PoliciesComing soon
- 11.2Professional Liability, Cyber, and Specialty LinesComing soon
Commercial Package Policies (CPP)
Explains how the CPP framework works as the container that holds multiple commercial coverage parts together under a single policy, covering the Common Policy Declarations, Common Policy Conditions, and the logic of assembling a CPP — which sets the stage for the individual commercial coverage form modules that precede and follow.
- 12.1CPP Structure: Common Policy Declarations and ConditionsComing soon
- 12.2Building a CPP: Selecting and Combining Coverage PartsComing soon
Commercial Property Policies
Provides a deep-dive into commercial property coverage forms — the BPP, Business Income, Extra Expense, and the three Causes of Loss forms — giving students the tools to analyze commercial property claims and master one of the most heavily tested areas of the licensing exam.
- 13.1Building and Personal Property (BPP) Coverage FormComing soon
- 13.2Business Income, Extra Expense, and Time-Element CoveragesComing soon
- 13.3Commercial Property Causes of Loss Forms, Exclusions, and Key EndorsementsComing soon
Commercial Inland Marine Policies
Covers the history, regulatory framework, and coverage forms of commercial inland marine insurance — an often-overlooked but exam-tested line that protects property in transit, property at multiple locations, and property that doesn't fit neatly into standard commercial property forms.
- 14.1Inland Marine Fundamentals: History, Nationwide Definition, and ClassesComing soon
- 14.2Key Commercial Inland Marine Coverage FormsComing soon
Farmowners Policies
Examines the Farmowners policy — a hybrid policy that combines property, liability, and specialty agricultural coverages — with emphasis on the unique exposures, exclusions, and conditions that distinguish it from both homeowners and commercial policies.
- 15.1Farmowners Policy Structure and Property CoveragesComing soon
- 15.2Farmowners Liability Coverages and Unique ExclusionsComing soon
Business Owners Policies (BOP)
Provides a focused examination of the BOP — a package policy designed for small to medium businesses — covering eligibility criteria, the property and liability components, optional coverages, and common endorsements, and contrasting BOP with a full CPP so students understand when each is appropriate.
- 16.1BOP Eligibility, Structure, and Property CoveragesComing soon
- 16.2BOP Liability Coverages, Optional Coverages, and Common EndorsementsComing soon
Louisiana Regulation Basics
Grounds students in the Louisiana-specific regulatory environment — the Department of Insurance's authority, the Louisiana Insurance Code's key statutes, and the consumer protection rules that every licensed adjuster must understand and follow.
- 17.1Louisiana Department of Insurance: Authority, Structure, and FunctionsComing soon
- 17.2Louisiana Insurance Code: Key Statutes and Consumer ProtectionsComing soon
Licensing and Regulations
Provides the practical licensing knowledge students need to obtain and maintain a Louisiana Property & Casualty Adjuster license — covering license types, exam requirements, the application process, continuing education, reciprocity with other states, and the disciplinary process.
- 18.1Louisiana Adjuster License Types, Requirements, and Application ProcessComing soon
- 18.2Continuing Education, Reciprocity, and Disciplinary ActionsComing soon
The Adjustment Process
Synthesizes all prior learning into the end-to-end claim handling workflow — from first notice of loss through final settlement — applying policy knowledge, legal doctrine, and Louisiana regulatory requirements to real-world claim scenarios and exam preparation.
- 19.1First Notice of Loss, Assignment, and Initial InvestigationComing soon
- 19.2Coverage Analysis, Reservation of Rights, and Denial LettersComing soon
- 19.3Damage Estimation, Negotiation, and SettlementComing soon
- 19.4Special Claim Situations: Subrogation, Appraisal, Litigation, and FraudComing soon
Who it's for
Is this you?
First-Time License Seekers
You've never held an adjuster license and need a structured, start-to-finish course that covers every topic the Louisiana exam will test.
Career-Changers
You're coming from outside insurance and need real-world context — not just definitions — to make policy language and claims concepts actually click.
Independent Adjusters
You work claims but need your Louisiana license formalized, and want a rigorous refresher on state regulations and the full policy spectrum before exam day.
Insurance Agency Staff
You've worked alongside adjusters for years and now want the credential and the structured knowledge base to make your expertise official.
Recent College Graduates
You're entering the workforce and see insurance adjusting as a stable, skilled career — this course gives you the technical foundation to compete from day one.
Claims Professionals Expanding Their Lines
You're already licensed in another line or state and need a Louisiana-specific, P&C-complete course to satisfy reciprocity requirements and fill coverage gaps.
Questions
Frequently asked
Your teacher
A note from your teacher
GARY B FOUCHA
If you've been staring at a study guide that reads like a policy endorsement written by a committee — dense, circular, and impossible to remember past the next page — I get it. That's not learning. That's endurance.
I built Adjusters Unlimited Academy because the gap between passing an adjuster exam and actually being ready to work a claim is enormous, and most courses only close half of it. They hand you definitions and move on. What they don't do is show you why a CGL excludes professional services, or how to write a proper reservation of rights letter, or what subrogation actually looks like once you're on the phone with a third-party carrier. Louisiana has its own Insurance Code, its own licensing structure, and its own flavor of complex claims — and you deserve a course that treats all of that seriously.
Here's what I know about the Louisiana P&C adjuster exam: it doesn't reward memorization, it rewards understanding. The candidates who struggle are the ones who learned a list of terms. The candidates who pass — and then go build real careers — are the ones who understand why Dwelling Form DP-1 covers only named perils, how a BOP is constructed from its component parts, what the Louisiana Department of Insurance can and cannot do when it investigates a complaint, and exactly what steps a professional adjuster takes from the moment a loss is reported through the day a check is issued. That's the architecture of this course.
We don't skip the hard parts. Contract law doctrines, ISO form construction, insurable interest, indemnity, the differences between occurrence and claims-made triggers, commercial auto symbols, business income time-element calculations — every concept that trips up first-time candidates gets handled directly, in plain language, with real-world context that makes it stick. And when we get to Louisiana-specific regulation, we go deep: license types, application requirements, CE obligations, reciprocity, disciplinary actions. You need to know this to get licensed and to stay licensed.
I invite you to join us. Whether you're coming in completely new to insurance, switching careers, or brushing up as an agency professional, this course will meet you where you are and bring you to where you need to be: sitting for your exam with confidence, and walking into the field ready to work.
— GARY B FOUCHA
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- 19 modules, 48 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
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46 more lessons coming soon at no extra cost.