Claims Adjuster License (KY)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Claims Adjuster License (KY): a 28-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 28 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily KRS (75%) and 806 KAR 12:095 (11%) of this exam's citations.

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3

full papers, no repeats

28

questions per paper

28

questions in the bank

What this exam covers

Continuing Education18%
Ethics & Fair Claims Practices29%
Licensing Requirements32%
Licensing Restrictions & Discipline21%

5 real sample questions

Under KRS 304.9-430, which three categories of adjuster are licensed by the Kentucky Department of Insurance?

A. Independent, staff, and public adjusters

B. Auto damage appraisers, claims examiners, and umpires

C. Field adjusters, desk adjusters, and catastrophe adjusters

D. Producer-adjusters, broker-adjusters, and consultant-adjusters

Source: KRS 304.9-430

A Kentucky-licensed staff adjuster is best described as someone who adjusts claims:

A. As an independent contractor retained by multiple insurers to handle overflow claims

B. As a direct employee of a single insurance company, for that company's own policyholders

C. On behalf of a policyholder, for a fee, against the policyholder's own insurer

D. Only for claims arising outside the state of Kentucky

Source: KRS 304.9-430

An independent adjuster licensed in Kentucky, as opposed to a staff adjuster, typically:

A. May only adjust claims for the single insurer that sponsored the license application

B. Represents the policyholder's interests in a dispute with the policyholder's own insurer

C. Handles claims for multiple insurance companies under contract rather than as one company's employee

D. Is exempt from Kentucky's adjuster licensing requirement entirely

Source: KRS 304.9-430

Before the Kentucky Department of Insurance will issue a public adjuster license, the applicant must obtain:

A. A surety bond of at least $5,000, matching the producer bond amount

B. General liability insurance of at least $1,000,000

C. No financial security instrument, since public adjusters do not handle client funds

D. A bond or irrevocable letter of credit of at least $50,000

Source: KRS 304.9-430

Under the definitions in KRS 304.9-020 that govern Kentucky's agent and adjuster licensing subtitle, an 'appointment' is best described as:

A. A notification filed with the Department of Insurance that an insurer has established an agency relationship with a licensee

B. The scheduled date of an applicant's licensing examination

C. A consumer's meeting with an adjuster to inspect property damage

D. The renewal date printed on a producer's license

Source: KRS 304.9-020

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Claims Adjusters, Examiners, and Investigators: real median wage (KY)May 2025$73,840/yr

Frequently asked questions

How many questions are on the CertQuestUSA Claims Adjuster License (KY) practice test?

28 questions total, split into 3 full papers of 28 each with no repeats across papers.

What topics does the Claims Adjuster License (KY) test cover?

4 domains, with the heaviest weight on Licensing Requirements (32%), Ethics & Fair Claims Practices (29%), and Licensing Restrictions & Discipline (21%).

Where do CertQuestUSA's Claims Adjuster License (KY) questions come from?

Primarily KRS (75%) and 806 KAR 12:095 (11%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Claims Adjuster License (KY)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.