Pass Your Louisiana P&C Adjuster Exam — and Know Your Stuff on Day One
This boot camp drills you on every policy form, regulation, and claims procedure tested on the Louisiana licensing exam — in plain English, with real Louisiana scenarios, so you walk into exam day ready to pass and walk into your first claim ready to work.
"I built this course so that by the time you close the last module, the exam is the easy part — because you actually understand the material."— GARY B FOUCHA
What you'll learn
What you'll be able to do
- Accurately interpret and compare Personal, Dwelling, Homeowner, and Commercial insurance policy forms used in Louisiana
- Apply core insurance contract law principles to determine coverage, exclusions, and conditions across P&C policy types
- Distinguish between Personal Auto, Commercial Auto, Commercial General Liability, BOP, CPP, Inland Marine, and Farmowners policies and explain what each covers
- Navigate Louisiana-specific insurance regulations, licensing requirements, and Department of Insurance compliance rules with confidence
- Walk through a complete property or casualty claims adjustment — from first notice of loss through settlement — using industry-standard procedures
- Sit for and pass the Louisiana Property & Casualty Insurance Adjuster licensing examination
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 · 49 lessons
Introduction to Insurance Policies
Establishes the conceptual and structural foundation of insurance before students encounter any specific policy type. Students learn why insurance exists, how the industry is organized, and — critically — how to read and compare policy forms, a skill they will apply in every subsequent module.
- 1.1What Is Insurance? Risk, Indemnity, and the PolicyIncluded
- 1.2Types of Insurers and Distribution SystemsIncluded
- 1.3Reading and Comparing Policy FormsComing soon
Insurance Contract Law Principles
Provides the legal framework that governs all insurance policies and that adjusters must apply when analyzing coverage. Sequenced immediately after the introductory module so that students understand the legal 'rules of the game' before studying individual policy types.
- 2.1Elements of a Valid Insurance ContractComing soon
- 2.2Doctrines of Utmost Good Faith, Representations, and WarrantiesComing soon
- 2.3Principles of Indemnity, Insurable Interest, and SubrogationComing soon
- 2.4Policy Conditions, Exclusions, and Interpretive RulesComing soon
Property & Casualty Basics
Bridges legal theory to practical claims math. Before studying any specific policy, students must master valuation methods and loss-sharing provisions because these calculations appear in every property and casualty claim they will ever handle.
- 3.1Property vs. Casualty: Scope and StructureComing soon
- 3.2Valuation Methods: ACV, RCV, and Agreed ValueComing soon
- 3.3Coinsurance, Pro Rata, and Other Loss-Sharing ProvisionsComing soon
Introduction to Property Insurance Policies
Serves as a gateway module to all property-specific policies (Dwelling, Homeowner, Commercial Property, Inland Marine). Students learn the coverage spectrum from named-perils to open-perils and the common conditions and exclusions that appear across every property form, so they are not re-learning basics in each subsequent module.
- 4.1Named Perils vs. Open Perils: The Coverage SpectrumComing soon
- 4.2Property Insurance Conditions and Common ExclusionsComing soon
Dwelling Insurance Policies
Provides thorough coverage of the DP forms — the policy type most commonly insuring non-owner-occupied residential properties, rental properties, and older homes in Louisiana. A foundational personal-lines policy adjusters encounter frequently after hurricanes and flooding events.
- 5.1DP-1, DP-2, DP-3: Structure and Coverage TiersComing soon
- 5.2Dwelling Policy Coverages A Through D and Common EndorsementsComing soon
Homeowner Insurance Policies
Covers the HO form lineup in depth — the most widely held personal property policy in Louisiana and the policy adjusters will handle most frequently. Includes both property (Section I) and liability (Section II) coverages, making this the first module where students handle a combined property-casualty policy.
- 6.1HO Form Lineup: Who Needs Which FormComing soon
- 6.2Section I — Property Coverages and PerilsComing soon
- 6.3Section II — Liability and Medical Payments CoveragesComing soon
- 6.4Homeowner Endorsements and Louisiana-Specific ConsiderationsComing soon
Introduction to Casualty Insurance
Establishes the legal and conceptual prerequisites for all casualty-coverage modules that follow. Students who do not understand negligence, tort liability, and how liability triggers work cannot accurately adjust auto, CGL, or umbrella claims. Sequenced before all liability-policy modules.
- 7.1Tort Law, Negligence, and Legal LiabilityComing soon
- 7.2Liability Coverage Triggers and Defense ObligationsComing soon
Personal Auto Insurance Policies
Covers the Personal Auto Policy in full — one of the highest-volume policy types Louisiana adjusters handle. Includes Louisiana-specific UM/UIM law, which is among the most complex and litigated in the country and requires dedicated, careful study.
- 8.1PAP Structure: Coverages A Through FComing soon
- 8.2Louisiana UM/UIM Law and the Personal Auto PolicyComing soon
- 8.3PAP Exclusions, Other Insurance, and EndorsementsComing soon
Commercial Auto Insurance Policies
Covers the Business Auto Policy — the standard commercial vehicle coverage form. Students learn the symbol system that defines which vehicles are covered, the liability and physical damage insuring agreements, and the hired/non-owned auto exposures that small businesses frequently overlook.
- 9.1Business Auto Policy Structure and the Symbol SystemComing soon
- 9.2BAP Liability, Physical Damage, and Hired/Non-Owned CoveragesComing soon
Commercial General Liability Policies
The CGL is the cornerstone commercial liability policy and one of the most complex forms an adjuster encounters. This module gives students a thorough grounding in all three coverage parts, the limits structure, and the occurrence vs. claims-made choice — all before they encounter the CPP, which packages the CGL with other commercial lines.
- 10.1CGL Coverage A: Bodily Injury and Property Damage LiabilityComing soon
- 10.2CGL Coverage B and C, Limits Structure, and Claims-Made FormComing soon
Other Types of Insurance Policies
Broadens student awareness beyond the core P&C forms to specialty and excess liability policies they will encounter in the field. Sequenced after the major liability forms so students can understand how umbrella and excess policies layer on top of underlying coverage.
- 11.1Umbrella and Excess Liability PoliciesComing soon
- 11.2Workers Compensation, Professional Liability, and Crime InsuranceComing soon
Commercial Package Policies (CPP)
Explains the CPP as the packaging mechanism that combines commercial lines coverage parts — particularly Commercial Property and CGL — under a single policy with common declarations and conditions. Sequenced after both the CGL module and immediately before the Commercial Property module so students understand the CPP wrapper before studying its contents in depth.
- 12.1CPP Architecture: The Common Policy Declarations and ConditionsComing soon
- 12.2CPP Interplay: How Coverage Parts Work Together in a Single LossComing soon
Commercial Property Policies
Provides in-depth coverage of the Building and Personal Property form, the three Causes of Loss forms, and the critical time-element coverages (Business Income and Extra Expense). One of the highest-volume commercial lines claims areas in Louisiana given the state's catastrophe exposure.
- 13.1Building and Personal Property (BPP) Coverage FormComing soon
- 13.2Business Income, Extra Expense, and Ordinance or Law CoverageComing soon
- 13.3Causes of Loss Forms: Basic, Broad, and SpecialComing soon
Commercial Inland Marine Policies
Covers the inland marine line — a specialty property coverage for property in transit, property at multiple locations, and unique or high-value property. Louisiana's port and logistics industry makes inland marine a frequently tested and field-relevant coverage area.
- 14.1Inland Marine Fundamentals and the Nation-Wide Marine DefinitionComing soon
- 14.2Key Inland Marine Forms: Contractors Equipment, Builders Risk, and CargoComing soon
Farmowners Policies
Covers the Farmowners policy — a multi-line package combining property, liability, and inland marine coverages unique to agricultural risks. Relevant in Louisiana's rural parishes and frequently tested on the state licensing exam.
- 15.1Farmowners Policy Structure and Eligible InsuredsComing soon
- 15.2Farm Property Coverages and Liability ExposuresComing soon
Business Owners Policies (BOP)
Covers the BOP — a pre-packaged commercial lines policy designed for small to medium businesses. Students learn BOP eligibility, its standard vs. special property coverage options, and how the BOP's bundled liability coverage compares to a separately written CGL. Sequenced after CGL and Commercial Property so students can meaningfully compare BOP to its unbundled alternatives.
- 16.1BOP Eligibility, Structure, and Standard vs. Special CoverageComing soon
- 16.2BOP Property and Liability Coverages, Extensions, and EndorsementsComing soon
Louisiana Regulation Basics
Introduces Louisiana's insurance regulatory framework — the Department of Insurance, the Commissioner's authority, and the market-conduct rules that govern every insurer and adjuster operating in the state. Sequenced before the Licensing module because students need to understand the regulatory ecosystem before they study adjuster-specific licensing rules within it.
- 17.1The Louisiana Department of Insurance and the CommissionerComing soon
- 17.2Insurance Market Regulation: Rates, Forms, and SolvencyComing soon
Licensing and Regulations
Covers the adjuster-specific licensing rules, ethical obligations, and continuing education requirements that govern practice in Louisiana. Sequenced after the regulatory basics module and immediately before the Adjustment Process so students understand their legal and ethical framework before performing adjustment work.
- 18.1Adjuster License Types, Application, and ExaminationComing soon
- 18.2Continuing Education, Ethical Obligations, and Unfair Trade PracticesComing soon
The Adjustment Process
The capstone module — integrating every prior module's knowledge into a complete, end-to-end claims adjustment workflow. Sequenced last because effective adjustment requires mastery of policy forms, law, regulation, and ethics. Heavy emphasis on Louisiana-specific procedures, catastrophe protocols, and exam-ready scenario practice.
- 19.1First Notice of Loss, Assignment, and Initial InvestigationComing soon
- 19.2Damage Documentation, Scope of Loss, and ReservingComing soon
- 19.3Coverage Analysis, Denials, and Reservation of RightsComing soon
- 19.4Negotiation, Settlement, and Closing the ClaimComing soon
- 19.5Catastrophe Claims and Louisiana-Specific Claim ScenariosComing soon
Who it's for
Is this you?
Pre-Licensed Adjuster Candidates
You're preparing to sit for the Louisiana P&C exam and want a structured, comprehensive program that covers every testable topic — not just flashcards.
Career-Changers Entering Insurance
You're coming from outside the industry and need a course that builds your knowledge from the ground up without assuming you already know what a BOP or a DP-3 is.
Licensed Agents Adding Adjuster Credentials
You already hold a Louisiana P&C agent license and want to add an adjuster license — this boot camp covers the claims-side knowledge your agent training didn't.
Insurance Office Staff Going Independent
You've worked around claims or policies for years and now want the license that lets you handle adjustments independently and on your own terms.
Recent Graduates in Business or Finance
You have a business or finance background and see insurance adjusting as a practical, in-demand career path — this course gives you the technical foundation to enter it credibly.
Catastrophe & Field Adjusters-in-Training
You want to work storm season and CAT claims in Louisiana and need the license and claims process knowledge to deploy with confidence when disaster strikes.
Questions
Frequently asked
Your teacher
A note from your teacher
GARY B FOUCHA
If you've been staring at a stack of insurance study materials wondering where to even start — or you've already tried to wade through policy forms and felt like you were reading a foreign language — I want you to know that's a completely normal place to be. Insurance policy language is deliberately dense, and the Louisiana adjuster exam tests you on a lot of it. The good news is that none of it is actually hard once someone explains it to you the right way.
That's what this boot camp does. I built it because I know what the Louisiana P&C adjuster exam actually tests, and I know what new adjusters actually need to function on their first day of work — and I got tired of seeing smart, motivated people fail the exam or freeze up on their first claim because their preparation was either too shallow or too confusing to be useful. Every module in this course was written to be direct, specific, and exam-relevant. No filler, no fluff — just the things you need to know, explained clearly enough that they actually stick.
Here's what I want you to understand about how this course works: we go through every major policy form you'll be tested on — Dwelling, Homeowners, Personal and Commercial Auto, CGL, BOP, CPP, Inland Marine, Farmowners, and more — not just to describe them, but to teach you how to read them. You'll learn the structure, the coverage triggers, the exclusions, and the conditions that adjusters actually use. You'll learn Louisiana-specific rules that generic study materials skip over. And at the end, you'll walk through a complete claims adjustment from first notice of loss to settlement, using the same workflow you'd use in the field.
This course respects your time and your intelligence. You're an adult with a goal. My job is to get you there — to the exam, through the exam, and into a career you're actually prepared for. If you're ready to put in the work, this boot camp will give you everything you need to pass with confidence and hit the ground running on day one.
— GARY B FOUCHA
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- 19 modules, 49 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed
47 more lessons coming soon at no extra cost.