Kansas Public Adjuster Licensing
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. What is the minimum age an applicant must be to qualify for
a Kansas public adjuster license?
A. 16
B. 18
C. 19
D. 21
Answer: B. 18
Rationale: Kansas law requires an applicant for a public adjuster
license to be at least 18 years of age. This is an express statutory
licensing requirement and applies in addition to the other
qualifications, such as passing the examination and satisfying
financial-responsibility requirements.
2. Under Kansas law, the Public Adjusters Licensing Act
primarily governs public adjusters who assist insureds with
what type of claims?
A. Third-party liability claims
B. Workers' compensation claims
C. First-party claims
D. Life insurance beneficiary claims
,Answer: C. First-party claims
Rationale: The Kansas Public Adjusters Licensing Act governs
public adjusters assisting insureds with first-party claims. A public
adjuster generally represents the insured's interests in presenting
and negotiating the insured's claim with the insurer, rather than
representing the insurer.
3. Which government official administers the Kansas Public
Adjusters Licensing Act?
A. Kansas Secretary of State
B. Kansas Attorney General
C. Kansas Commissioner of Insurance
D. Kansas State Treasurer
Answer: C. Kansas Commissioner of Insurance
Rationale: The Kansas Public Adjusters Licensing Act assigns
regulatory authority to the Commissioner of Insurance. The
commissioner is responsible for licensing, regulatory oversight,
and enforcement of the statutory requirements governing public
adjusters.
4. Which statement best describes the public adjuster's duty
to the insured under Kansas law?
A. The public adjuster must serve the insurer and insured equally
B. The public adjuster must serve with objectivity and complete
loyalty to the insured
C. The public adjuster must maximize the insurer's profitability
D. The public adjuster must remain neutral between the insurer
and insured
Answer: B. The public adjuster must serve with objectivity and
complete loyalty to the insured
,Rationale: Kansas law specifically requires a public adjuster to
serve with objectivity and complete loyalty to the interests of the
insured. The adjuster must provide information, counsel, and
service that the adjuster believes in good faith will best serve the
insured's claim needs and interests.
5. What is the maximum compensation a Kansas public
adjuster may charge as a percentage of an insurance
settlement or proceeds?
A. 5%
B. 8%
C. 10%
D. 15%
Answer: C. 10%
Rationale: Kansas law prohibits a public adjuster from charging,
agreeing to, or accepting compensation, reimbursement,
commission, fee, or another thing of value equal to more than
10% of an insurance settlement or proceeds. This statutory cap is
an important consumer-protection provision.
6. When may a Kansas public adjuster require or accept a fee,
retainer, deposit, or other compensation from the insured
under the general compensation rule?
A. Before the initial inspection
B. At the time the contract is signed
C. Before the insurer acknowledges the claim
D. Not prior to settlement of the claim
Answer: D. Not prior to settlement of the claim
Rationale: Kansas law expressly prohibits a public adjuster from
requiring, demanding, or accepting a fee, retainer, compensation,
, deposit, or other thing of value before settlement of the claim. The
rule is designed to protect insureds from paying the public
adjuster before the claim has been settled.
7. Which of the following must be included in a Kansas public
adjuster service contract?
A. The adjuster's personal bank account number
B. The public adjuster's license number
C. The insurer's tax identification number
D. The insured's Social Security number
Answer: B. The public adjuster's license number
Rationale: Kansas requires a public adjuster contract to be in
writing and to include the public adjuster's license number. The
statute also requires information such as the adjuster's name and
business address, insured information, loss description, services,
signatures, dates, bonding attestation, and compensation terms.
8. What title must appear on a Kansas public adjuster service
contract?
A. Insurance Settlement Agreement
B. Adjuster Authorization Form
C. Public Adjuster Contract
D. Claim Representation Certificate
Answer: C. Public Adjuster Contract
Rationale: Kansas law specifically requires the contract to contain
the title "public adjuster contract." This requirement helps clearly
identify the nature of the agreement between the insured and the
public adjuster.
9. Which parties must sign a Kansas public adjuster contract?
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. What is the minimum age an applicant must be to qualify for
a Kansas public adjuster license?
A. 16
B. 18
C. 19
D. 21
Answer: B. 18
Rationale: Kansas law requires an applicant for a public adjuster
license to be at least 18 years of age. This is an express statutory
licensing requirement and applies in addition to the other
qualifications, such as passing the examination and satisfying
financial-responsibility requirements.
2. Under Kansas law, the Public Adjusters Licensing Act
primarily governs public adjusters who assist insureds with
what type of claims?
A. Third-party liability claims
B. Workers' compensation claims
C. First-party claims
D. Life insurance beneficiary claims
,Answer: C. First-party claims
Rationale: The Kansas Public Adjusters Licensing Act governs
public adjusters assisting insureds with first-party claims. A public
adjuster generally represents the insured's interests in presenting
and negotiating the insured's claim with the insurer, rather than
representing the insurer.
3. Which government official administers the Kansas Public
Adjusters Licensing Act?
A. Kansas Secretary of State
B. Kansas Attorney General
C. Kansas Commissioner of Insurance
D. Kansas State Treasurer
Answer: C. Kansas Commissioner of Insurance
Rationale: The Kansas Public Adjusters Licensing Act assigns
regulatory authority to the Commissioner of Insurance. The
commissioner is responsible for licensing, regulatory oversight,
and enforcement of the statutory requirements governing public
adjusters.
4. Which statement best describes the public adjuster's duty
to the insured under Kansas law?
A. The public adjuster must serve the insurer and insured equally
B. The public adjuster must serve with objectivity and complete
loyalty to the insured
C. The public adjuster must maximize the insurer's profitability
D. The public adjuster must remain neutral between the insurer
and insured
Answer: B. The public adjuster must serve with objectivity and
complete loyalty to the insured
,Rationale: Kansas law specifically requires a public adjuster to
serve with objectivity and complete loyalty to the interests of the
insured. The adjuster must provide information, counsel, and
service that the adjuster believes in good faith will best serve the
insured's claim needs and interests.
5. What is the maximum compensation a Kansas public
adjuster may charge as a percentage of an insurance
settlement or proceeds?
A. 5%
B. 8%
C. 10%
D. 15%
Answer: C. 10%
Rationale: Kansas law prohibits a public adjuster from charging,
agreeing to, or accepting compensation, reimbursement,
commission, fee, or another thing of value equal to more than
10% of an insurance settlement or proceeds. This statutory cap is
an important consumer-protection provision.
6. When may a Kansas public adjuster require or accept a fee,
retainer, deposit, or other compensation from the insured
under the general compensation rule?
A. Before the initial inspection
B. At the time the contract is signed
C. Before the insurer acknowledges the claim
D. Not prior to settlement of the claim
Answer: D. Not prior to settlement of the claim
Rationale: Kansas law expressly prohibits a public adjuster from
requiring, demanding, or accepting a fee, retainer, compensation,
, deposit, or other thing of value before settlement of the claim. The
rule is designed to protect insureds from paying the public
adjuster before the claim has been settled.
7. Which of the following must be included in a Kansas public
adjuster service contract?
A. The adjuster's personal bank account number
B. The public adjuster's license number
C. The insurer's tax identification number
D. The insured's Social Security number
Answer: B. The public adjuster's license number
Rationale: Kansas requires a public adjuster contract to be in
writing and to include the public adjuster's license number. The
statute also requires information such as the adjuster's name and
business address, insured information, loss description, services,
signatures, dates, bonding attestation, and compensation terms.
8. What title must appear on a Kansas public adjuster service
contract?
A. Insurance Settlement Agreement
B. Adjuster Authorization Form
C. Public Adjuster Contract
D. Claim Representation Certificate
Answer: C. Public Adjuster Contract
Rationale: Kansas law specifically requires the contract to contain
the title "public adjuster contract." This requirement helps clearly
identify the nature of the agreement between the insured and the
public adjuster.
9. Which parties must sign a Kansas public adjuster contract?
