A "catastrophe" under KRS 304.9-020 is an event that results in a declaration of emergency by whom?KRS 304.9-020
A license is refused. What happens to the application and examination fees that were paid?KRS 304.9-200(4)
A licensee marries and takes a new legal name. How many days does KRS 304.9-200 allow for telling the commissioner in writing?KRS 304.9-200(2)
A public adjuster license was in effect on April 13, 2026. What may its holder do during the two-year limitation on new licenses?KRS 304.9-430(1)(d)
A renewal request and fees received within how many days after the date of expiration may be accepted with no interruption in license, if a penalty is paid?KRS 304.9-260(2)(b)
A surety wants off the bond of a public adjuster. How much written warning must the licensee get before the bond ends?KRS 304.9-430(3)(a)
After a declared catastrophe, an unlicensed but qualified person may act as an emergency adjuster if the insurer notifies the commissioner within how many days of deployment?KRS 304.9-430(13)(b)
An adjusting firm licensed as a business entity reaches its renewal year. Which calendar date is its deadline under KRS 304.9-260?KRS 304.9-260(1)(g)
Show all 103 questions (95 more)
Adjuster license and renewal, continued
An apprentice adjuster investigates and negotiates a loss. Whose review settles the matter in the end?KRS 304.9-432(4)(b)
An apprentice adjuster takes and passes the adjuster examination during the apprenticeship. What follows?KRS 304.9-432(4)(d)
An emergency independent or staff adjuster's registration remains in force for a period not to exceed how many days, unless the commissioner extends it?KRS 304.9-430(13)(c)
An insurer employs an individual only to investigate suspected fraudulent claims; the individual does not adjust losses or determine claims payments. Is a staff adjuster license required?KRS 304.9-430(8)
An insurer's employee adjusts food spoilage claims under residential property insurance. No staff adjuster license is required when coverage for that loss is limited to what amount or less?KRS 304.9-430(11)
The bond behind a public adjuster license lapses. What does KRS 304.9-430(3)(c) say becomes of the license?KRS 304.9-430(3)(c)
By when does an individual licensee whose birth date is in an even-numbered year submit the license renewal request and fees?KRS 304.9-260(1)(g)
For two years beginning April 13, 2026, what does KRS 304.9-430 say about new public adjuster licenses?KRS 304.9-430(1)(b)
For which reason may a licensee make a written request for a waiver of the license renewal procedures?KRS 304.9-260(3)
How much financial responsibility, by bond or letter of credit, does KRS 304.9-430(3) ask of a public adjuster at the least?KRS 304.9-430(3)(a)
In what capacity does a licensed adjuster act on behalf of his or her principal under 806 KAR 9:030?806 KAR 9:030, Section 1
In which claims does a public adjuster advise or assist an insured, in the definition of KRS 304.9-020?KRS 304.9-020
KRS 304.9-295 sets a course minimum for independent and public adjusters in each biennium. How many hours is it?KRS 304.9-295(5)(a)
KRS 304.9-430(10) lists people who may work claims without an independent adjuster license. Which of these is on the list?KRS 304.9-430(10)(h)
KRS 304.9-432 caps the count of apprentice licenses one person may have. At what?KRS 304.9-432(2)(d)
KRS 304.9-432 limits the way an apprentice adjuster is paid. To what?KRS 304.9-432(4)(c)
Under the automated claims exemption, no more than how many persons may be under the supervision of one licensed individual independent adjuster?KRS 304.9-430(10)(n)
What does 806 KAR 9:030 say about an adjuster representing both the insurer and the insured or claimant?806 KAR 9:030, Section 1
What is the longest life of an apprentice adjuster license under KRS 304.9-432?KRS 304.9-432(4)(e)
What is the youngest age at which the commissioner may approve a resident adjuster applicant under KRS 304.9-430?KRS 304.9-430(2)(c)
What may a public adjuster obtain in place of a surety bond to demonstrate financial responsibility?KRS 304.9-430(3)(a)
What must a nonresident adjuster maintain as a condition to the continuation of the Kentucky nonresident license?KRS 304.9-430(14)(d)
Which adjuster is an employee of an insurer who investigates, negotiates or settles claims on behalf of his or her employer?KRS 304.9-020
Which adjusters must show proof of compliance with continuing education requirements in conjunction with license renewal?KRS 304.9-260(1)(f)
Which is a line of authority for an independent or staff adjuster but not for a public adjuster under KRS 304.9-430?KRS 304.9-430(7), (9)
Which person is outside the definition of "public adjuster" when employed only to furnish technical assistance to a licensed public adjuster?KRS 304.9-020
Who compensates an "independent adjuster" as KRS 304.9-020 defines the term?KRS 304.9-020
Public adjuster contract, fees and funds 30
A copy of the contract provided to the commissioner has its compensation provisions redacted. How does KRS 304.9-433 treat the redaction?KRS 304.9-433(3)
A reasonable fee charged by a public adjuster may not exceed what share of the insurance settlement proceeds on which a fee may be based?KRS 304.9-4333(2)(b)
A rescission notice reaches the public adjuster. How many business days are allowed for handing back anything of value received under the contract?KRS 304.9-433(9)
An adjuster emails the insured a PDF of the signed contract and hands over no paper. Is the duty in KRS 304.9-433 to provide a physical copy met?KRS 304.9-433(10)
An insured decides to rescind. What form and delivery does KRS 304.9-433(8) call for?KRS 304.9-433(8)(b)
An insurer wants to write straight to an insured who has hired a public adjuster. How does KRS 304.9-4331 handle that?KRS 304.9-4331(3)(c)
At what point does KRS 304.9-4333 let the public adjuster take the fee?KRS 304.9-4333(1)(b)
Before any contract is in force, the insurer promises in writing to pay the full policy limit. What is the most KRS 304.9-4333(3) then lets the public adjuster be paid?KRS 304.9-4333(3)
Before any signature goes on the contract, which paper does KRS 304.9-433(5) put in the hands of the insured?KRS 304.9-433(5)
The Governor has declared a state of emergency and a contract arises from those events. How long after execution may the insured still rescind?KRS 304.9-433(8)(a)
How must funds a public adjuster holds on behalf of an insured be kept?KRS 304.9-4332(2)
The insurer owes money on the claim but has not paid it. May the contract let the public adjuster collect the percentage rate on that money?KRS 304.9-433(4)(a)
KRS 304.9-433(2) requires attestation language in the contract. What does the language attest?KRS 304.9-433(2)(j)
KRS 304.9-435 sets a retention period for the transaction records of a public adjuster. How long is it, counted from the end of the transaction?KRS 304.9-435(3)
KRS 304.9-4331 gives the public adjuster a duty about the damaged property itself. What is the duty?KRS 304.9-4331(2)(b)
KRS 304.9-4331(6) speaks to reconstruction and restoration of property under a claim. What part in that work may the public adjuster on the claim play?KRS 304.9-4331(6)(a)
KRS 304.9-4331(7) takes one task away from public adjusters for two years from July 15, 2026. Which task?KRS 304.9-4331(7)
No emergency has been declared. Counting from the day the insured received the paper contract, how long does the right to rescind stay open?KRS 304.9-433(8)(a)
Outside emergency circumstances, when may a public adjuster begin providing services to an insured?KRS 304.9-433(1)(a)
To whom must a public adjuster give a written disclosure of a financial interest with another party involved in the claim?KRS 304.9-4331(5)
Where must the contract say any legal action arising out of or related to it shall be heard?KRS 304.9-433(2)(o)
Which claims must the contract state that the public adjuster shall not negotiate or settle for any person?KRS 304.9-433(2)(l)
Which clause would KRS 304.9-433(4) strike from a public adjuster contract?KRS 304.9-433(4)(e)
Whom may a public adjuster use to solicit or obtain contract signatures?KRS 304.9-4331(6)(d)
Whose obligation is the fee paid to the public adjuster, as the disclosure document states?KRS 304.9-433(5)
With whom must the contract say complaints about the contract or the public adjuster may be filed?KRS 304.9-433(2)(n)
Within how many business days after funds are deposited must a public adjuster provide the insured with a receipt of deposit?KRS 304.9-4332(3)(b)
Within how many business days of receipt must a public adjuster deposit funds held for an insured into a fiduciary trust account?KRS 304.9-4332(1)(b)
Within how many calendar days of an invoice, once the insured approves that the work is satisfactorily completed, must a public adjuster disburse trust funds?KRS 304.9-4332(2)(d)
Within how many hours of entering into a contract with an insured must a public adjuster give the insurer a signed notification letter and a physical copy of the contract?KRS 304.9-433(7)
Discipline, reporting and fraud 11
A conviction of a misdemeanor is a cause for action against a license when restitution is ordered in excess of what amount?KRS 304.9-440(1)(p)
A Kentucky licensee is disciplined by an agency elsewhere. Counting from the final disposition, how many days until the report to the commissioner is due?KRS 304.9-467(2)
A licensee under investigation surrenders the license. What does KRS 304.9-440(6) provide?KRS 304.9-440(6)
A windshield is cracked and the policy covers glass. What is the adjuster forbidden to insist on under KRS 304.9-470?KRS 304.9-470(1)(a)
An adjuster licensed under KRS Chapter 304 comes to believe a claimant staged a loss. What does KRS 304.47-050 make the adjuster do?KRS 304.47-050(2)
For how long, at most, may the commissioner place a license on probation or impose conditions on its continuance?KRS 304.9-440(1)
For which act must the commissioner deny, suspend or revoke a public adjuster's license or impose a fine, under KRS 304.9-440(2)?KRS 304.9-440(2)(a)
KRS 304.9-035 makes an insurer answer for what its adjusters do. On what conditions?KRS 304.9-035(1)
What is the largest fine per act the commissioner may impose on a public adjuster for a cause listed in KRS 304.9-440(2)?KRS 304.9-440(2)(a)
What must a licensee submit to the commissioner within thirty days of being served with a criminal indictment?KRS 304.9-467(3)
Which is a fraudulent insurance act under KRS 304.47-020?KRS 304.47-020(1)(a)
Claim settlement and no-fault law 17
806 KAR 12:095 gives an insurer a set number of days to acknowledge a notice of claim it has not yet paid. How many?806 KAR 12:095, Section 5
A contract of insurance may not limit the time for commencing an action against a foreign insurer to less than what period from when the cause of action accrues?KRS 304.14-370
A driver buys split-limits coverage. What is the smallest amount KRS 304.39-110 accepts for the property damage part?KRS 304.39-110(1)(a)
A first-party claim is still under investigation after the first notice of delay. At what interval do further letters of explanation go to the claimant?806 KAR 12:095, Section 6
A late settlement is found to have been held up without reasonable foundation. What extra recovery does KRS 304.12-235(3) give the insured?KRS 304.12-235(3)
An insurer makes it known that it appeals arbitration awards, to push claimants to accept less than the award. How does KRS 304.12-230 treat this?KRS 304.12-230(11)
An insurer's claim data must be available for examination for all open and closed files for the current year and how many preceding years?806 KAR 12:095, Section 3
Basic reparation benefits were paid and then stopped. How long after the last payment may the same claimant still sue for more?KRS 304.39-230(1)
How often are basic reparation benefits payable as loss accrues under KRS 304.39-210?KRS 304.39-210(1)(a)
KRS 304.12-230 would condemn which of the following conduct by an insurer?KRS 304.12-230(10)
KRS 304.12-235 starts a clock when notice and proof of claim reach the insurer. How long does the insurer have to pay?KRS 304.12-235(1)
May an insurer require an insured to submit to a polygraph examination?806 KAR 12:095, Section 6
The payment period of KRS 304.12-235 passes with no good faith attempt to settle. What yearly interest then runs on the final settlement?KRS 304.12-235(2)
What is the minimum single limits liability coverage that fulfills the Kentucky requirement of security for tort liabilities?KRS 304.39-110(1)(a)
What must an insurer inform a claimant of upon notification of a motor vehicle damage claim?KRS 304.12-275(1)
When may an insurer indicate on a payment draft to a first-party claimant that the payment is "final"?806 KAR 12:095, Section 4
Within how many days of the date a medical service is rendered must the provider submit a statement of the charge to the reparation obligor?KRS 304.39-210(1)(h)
Workers' compensation law 10
A disability continues for more than two weeks. From which day are income benefits allowed?KRS 342.040(1)
An employer learns that a worker is disabled. How long at the outside does KRS 342.040 allow before income benefits must start?KRS 342.040(1)
Compensation coverage is in place when a worker is hurt. How does KRS 342.690 describe what the employer then owes that worker?KRS 342.690(1)
How often, at the least, are workers' compensation income benefits due and payable?KRS 342.040(1)
KRS 342.040 doubles its usual interest when benefits were held back without reasonable foundation. What is the doubled yearly rate?KRS 342.040(1)
KRS 342.040 has a waiting period at the start of a disability. How many days go unpaid when the disability lasts two weeks or less?KRS 342.040(1)
KRS 342.650 takes certain workers out of the chapter. Which of these four is among them?KRS 342.650(5)
No income benefits were ever paid on a work injury. How long from the accident does KRS 342.185 leave for filing with the department?KRS 342.185(1)
When does KRS 342.630 make a private business answer to the chapter?KRS 342.630(1)
Within how many working days of receiving notification of a work-related injury must an employer report it to its workers' compensation insurance carrier?KRS 342.038(3)
How this list was compiled: Kentucky Revised Statutes Chapter 304 (Insurance Code), sections 304.9-020, 304.9-035, 304.9-200, 304.9-260, 304.9-295, 304.9-430 to 304.9-440, 304.9-467, 304.9-470, 304.12-230, 304.12-235, 304.12-275, 304.14-370, 304.39-110, 304.39-210, 304.39-230, 304.47-020 and 304.47-050, and Chapter 342, sections 342.038, 342.040, 342.185, 342.630, 342.650 and 342.690, read on October 12, 2026 one section at a time on the Kentucky General Assembly's site (https://apps.legislature.ky.gov/law/statutes/chapter.aspx?id=38684), with 806 KAR 9:030 and 806 KAR 12:095 read the same day (https://apps.legislature.ky.gov/law/kar/titles/806/). The topics follow the Kentucky Law and workers' compensation parts of the Adjuster Examination Study Outline that the Kentucky Department of Insurance publishes at https://insurance.ky.gov/ppc/Documents/DOI_AdjStudyOutline031512.pdf. Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Kentucky adjuster license practice test asks the state-law parts of the adjuster exam: 103 of our own questions from the Kentucky Revised Statutes, each naming its section. Not affiliated with the Kentucky Department of Insurance.
Read the full guide
Which parts of the outline these are
The department's study outline gives Kentucky Law 16 percent of the exam and workers' compensation 10 percent. The topics here follow those two parts. Policy forms, claim handling and crop forms are not asked.
Public adjuster study guide for Kentucky: the 2026 law
The outline is older than the law. The public adjuster sections were amended in 2026 (KRS 304.9-430 to 304.9-4333): the insured has five business days to rescind a contract, the insurer gets a signed notice within 72 hours, and a public adjuster may not negotiate with an insurer for two years from July 15.
An adjuster shall not represent the interest of both the insurer and the insured or claimant (806 KAR 9:030).
A claim is paid within 30 days of notice and proof of claim; with no good faith attempt to settle by then, the settlement bears 12 percent interest (KRS 304.12-235).
An apprentice adjuster license lasts at most twelve months and is nonrenewable (KRS 304.9-432).
Questions and answers
How many questions are on the Kentucky adjuster exam?
The department's Adjuster Examination Study Outline, dated March 2012, lists 50 items. It prints no time limit and no pass mark, so this page gives neither. The department gives the exam at Frankfort and at regional testing sites.
What kinds of adjuster license does Kentucky issue?
Independent, staff and public adjuster licenses (KRS 304.9-430). Independent and staff adjusters qualify in property and casualty, workers' compensation or crop; public adjusters in property and casualty or crop. The statutes spell it adjuster, so a KY adjustor license is the same license.
Can I get a public adjuster license in Kentucky now?
Not a new one. For two years beginning April 13, 2026, the department shall not issue public adjuster licenses, except to a person who held a temporary or apprentice adjuster license on that date. Licenses already in effect may be renewed (KRS 304.9-430(1)).
How much can a public adjuster charge in Kentucky?
A reasonable fee of no more than 10 percent of the insurance settlement proceeds the insured actually receives, collected after the insured has been paid (KRS 304.9-4333).
Is this Kentucky adjuster license practice test free?
Yes. All 103 questions are open, and your answers stay in your browser. The questions were written for this page from the statutes; none comes from the state exam, and the Kentucky Department of Insurance did not write or review them.