- UTAPC is Prometric's Series 17-11 exam administered for the Utah Insurance Department; a Spanish version runs as Series 17-41.
- The exam costs $32, includes 150 scored questions plus 5 unscored items, and allows 2 hours 30 minutes.
- Adjusting Losses (24%) and Insurance Basics (23%) together make up nearly half of all scored content.
- Utah requires no prelicensing course, but resident applicants must pass, apply within 90 days, and complete fingerprinting.
What Is UTAPC Certification?
UTAPC - the Utah Adjuster's Property & Casualty Exam - is the licensing test administered through the Utah Insurance Department and delivered by Prometric as exam code Series 17-11. Passing it is the qualifying step that allows a candidate to become a resident independent property and casualty insurance adjuster in Utah. It is not a voluntary professional badge you add to a resume for prestige; it's the regulatory gate you must pass through before the state will issue you an adjuster license.
The exam is entirely computer-based and contains 150 scored, four-option multiple-choice questions plus 5 additional unscored experimental items mixed in without identification, for a total of 155 questions. Candidates get 2 hours 30 minutes to complete the exam, and the official content outline governing what's tested has been effective since January 1, 2020. A Spanish-language equivalent, Series 17-41, is available for candidates who prefer to test in Spanish.
If you're still getting oriented to the exam's basic identity and format before diving into study strategy, our companion pieces on What Is UTAPC? and UTAPC Meaning cover the naming and scope in more depth, while this article focuses specifically on what the certification is, how it's structured, and what candidates are actually held accountable for.
How the Exam Is Administered
Because UTAPC is a state-regulated licensing exam rather than a private certification, its administration is tightly standardized through Prometric. Candidates can test either at a physical Prometric test center or remotely through ProProctor, Prometric's online proctoring platform. Both delivery methods use the identical Series 17-11 question bank and time allowance, so the choice comes down to logistics and personal preference rather than any difference in difficulty.
Every version of the exam draws from the same fixed content outline, which means the domain weighting is consistent no matter which testing path or which specific form of the exam you're assigned on test day. For a full domain-by-domain walkthrough with subtopics, see the UTAPC Exam Domains 2026: Complete Guide to All 9 Content Areas - this section here focuses on the high-level structure.
Key Takeaway
Because the content outline has been stable since January 1, 2020, older study materials built around that same outline are generally still relevant - but always verify against the current outline before relying heavily on any one source.
The 9 UTAPC Exam Domains
UTAPC content is organized into nine domains, each carrying a fixed percentage of the 150 scored questions. Two domains dominate the exam and deserve the majority of your preparation time.
Domain 3: Adjusting Losses (24%)
The single largest domain on the exam. This is where claims-handling mechanics live - investigation, evaluation, negotiation, and settlement procedures that apply across policy types.
- Highest point value of any domain; under-preparing here is the most common reason candidates fall short
Domain 2: Insurance Basics (23%)
Foundational insurance concepts - contracts, policy provisions, and terminology that underpin every other domain on the exam.
- Nearly as heavily weighted as Adjusting Losses; skipping this domain undermines your ability to answer questions elsewhere
Domain 5: Homeowners Policy (9%) & Domain 6: Auto Insurance (9%)
Two mid-weight domains covering the specific policy forms adjusters encounter most often in day-to-day residential and personal auto claims.
Domain 1: Insurance Regulation (8%), Domain 7: CPP (8%), Domain 9: Workers Compensation (8%)
Three domains tied at 8% each - regulatory framework, commercial package policy structure, and workers compensation basics.
Domain 8: Businessowners Policy (7%) & Domain 4: Dwelling Policy (4%)
The two lightest domains. Dwelling Policy is the smallest slice of the exam at just 4%, but it still appears and shouldn't be ignored entirely.
Together, Adjusting Losses and Insurance Basics account for nearly half of all scored questions. A candidate who masters those two domains and has working familiarity with the remaining seven is well-positioned heading into test day. For a breakdown of exactly how many questions to expect from each domain and how to weight your review accordingly, see the UTAPC Exam Domains 2026 guide.
Registration, Fees & Licensing Mechanics
UTAPC's cost structure is straightforward but has several distinct fees that candidates often overlook until they're mid-process. Understanding each one up front avoids surprises.
- Exam fee: $32 to sit for the computer-based exam through Prometric.
- Fingerprinting/background check: Resident applicants must complete fingerprinting at a Prometric test center, with a BCI/FBI fee of $32 plus a $6 Prometric processing fee.
- Resident license fee: $75 for the initial resident individual independent-adjuster license.
- Score validity window: Passing candidates must submit their license application within the 90-day score-validity period - miss that window and you'll need to retest.
A full breakdown of every dollar amount involved, including how the fees stack up in total, is available in UTAPC Certification Cost 2026: Complete Pricing Breakdown. If you're unsure whether you meet the baseline eligibility criteria before you even schedule fingerprinting, UTAPC Requirements 2026: Eligibility, Prerequisites & How to Qualify walks through who can apply and what documentation is needed.
Who Hires UTAPC-Licensed Adjusters
A Utah resident independent adjuster license opens the door to work handling property and casualty claims on behalf of insurance carriers, independent adjusting firms, and third-party administrators. Because the license is tied to state regulation rather than a single employer's internal certification, it's portable across firms that need licensed adjusters to legally handle claims involving Utah policyholders or Utah-domiciled risk.
The breadth of the domain list - from dwelling and homeowners policies to commercial package policies and workers compensation - reflects the range of claim types a licensed adjuster may be asked to handle. Firms typically staff up around catastrophic weather events, seasonal claim surges, or steady commercial-line caseloads, and a valid license is the baseline credential they screen for before any interview happens. If you're weighing whether pursuing this license makes financial sense relative to the effort involved, Is the UTAPC Certification Worth It? Complete ROI Analysis 2026 and UTAPC Salary Guide 2026: Complete Earnings Analysis dig into that question directly, and UTAPC Jobs looks at the kinds of roles the license qualifies you for.
How to Prepare for Each Domain
Preparation for UTAPC should mirror the exam's own weighting. Spending equal time on all nine domains ignores the fact that Adjusting Losses and Insurance Basics alone account for nearly half the scored questions, while Dwelling Policy accounts for only 4%.
Insurance Basics & Insurance Regulation
- Build the foundational vocabulary and contract concepts that every later domain depends on
- Layer in the regulatory framework (licensing rules, unfair claims practices, state authority) covered under Insurance Regulation
Adjusting Losses
- Dedicate the most time here since it's the single largest domain on the exam
- Work through claim investigation, evaluation, and settlement scenarios rather than memorizing definitions alone
Homeowners, Dwelling & Auto Policies
- Compare the coverage forms side by side so you don't confuse dwelling-specific provisions with homeowners provisions
Commercial Package, Businessowners & Workers Compensation
- Cover the three remaining commercial-side domains together since they share overlapping structural concepts
Whatever pacing you choose, run full-length timed practice sessions in the final week to get comfortable with the 2 hour 30 minute window and the mix of scored and unscored items. For a complete week-by-week study plan built around this exact domain weighting, see the UTAPC Study Guide 2026: How to Pass on Your First Attempt, and for a quick-reference summary of the highest-yield facts to review right before test day, the UTAPC Cheat Sheet 2026 is built for exactly that purpose. You can also run through timed practice questions modeled on the real domain breakdown at our UTAPC practice test platform to gauge readiness before you schedule your official exam date.
Key Takeaway
Because Adjusting Losses and Insurance Basics together represent nearly half the exam, a candidate short on study time should protect those two domains first and treat the remaining seven as secondary review.
Renewal & Continuing Education
Passing UTAPC and getting licensed is not a one-time event - Utah resident adjusters must actively maintain the license. Individual licenses renew every two years in the licensee's birth month, and the renewal fee is $75, matching the original license fee.
To stay current, resident adjusters must complete 24 continuing-education hours per two-year cycle. Of those 24 hours, at least 3 must be ethics-specific, and at least 12 must be classroom or classroom-equivalent instruction rather than self-study alone. Planning your CE schedule early in each two-year cycle avoids a last-minute scramble to hit both the hour total and the ethics/classroom sub-requirements before your birth-month deadline.
| Requirement | Detail |
|---|---|
| Exam fee | $32 |
| Scored questions | 150 (plus 5 unscored) |
| Time allowed | 2 hours 30 minutes |
| Score validity for licensing | 90 days |
| Fingerprinting cost | $32 BCI/FBI fee + $6 Prometric fee |
| Initial resident license fee | $75 |
| Renewal cycle | Every 2 years, birth month, $75 |
| CE hours per cycle | 24 total, 3 ethics, 12 classroom/equivalent |
If any of these mechanics feel unclear relative to your own timeline - for instance, exactly when to schedule your exam relative to a job offer - UTAPC Exam Dates 2026: Testing Windows, Deadlines & Scheduling lays out the scheduling logistics in more detail, and UTAPC Passing Score 2026: Exactly What You Need to Pass explains how the scored 150 questions translate into a pass/fail result.
Frequently Asked Questions
UTAPC is a state licensing exam administered for the Utah Insurance Department through Prometric (Series 17-11). Passing it is a required step toward obtaining a resident independent property and casualty adjuster license, not a standalone voluntary certification.
No. Utah does not require a prelicensing education course. Candidates can register and test as soon as they choose, though this places more responsibility on independent study.
Yes. In addition to testing at a physical Prometric center, candidates can test remotely through Prometric's ProProctor platform using the same Series 17-11 exam content.
Your passing score is only valid for 90 days. If you don't submit your resident license application, complete fingerprinting, and pay the required fees within that window, you'll need to retest.
Yes. A Spanish-language equivalent of UTAPC is offered as Series 17-41 for candidates who prefer to test in Spanish rather than English.