200+ Free KS Public Adjuster Practice Questions

Pass your Kansas Public Adjuster Exam exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

65% Pass Rate

200+ Questions

100% Free

1 / 200

Question 1

Score: 0/0

Under K.S.A. 40-5513(d), can a Kansas public adjuster require a fee, retainer, or deposit BEFORE settlement of a claim?

Yes, but only for commercial claims over $100,000

Yes, as long as the client agrees in writing

No, a public adjuster shall not require any fee, retainer, compensation, deposit, or other thing of value prior to settlement

Yes, up to $500 can be charged upfront

to track

Same family resources

More Public Adjuster Prep

Continue through related practice pages, study guides, comparisons, and articles from the same exam family.

Practice Pages

SPPA Senior Professional Public Adjuster Practice100 questions Arizona Public Adjuster Practice200 questions California Public Adjuster Practice200 questions Colorado Public Adjuster Practice200 questions Connecticut Public Adjuster Practice200 questions Delaware Public Adjuster Practice200 questions

Free Public Adjuster Practice Test by State 2026: 4,500+ Questions23 min read Texas Adjuster License 2026: Exam, Salary & Steps14 min read

2026 Statistics

Key Facts: KS Public Adjuster Exam

70%

Passing Score

KS KID

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

KS KID

24 hrs

CE Per Cycle

KS KID

Bond

Surety Bond Required

KS KID

Kansas requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. PAs represent policyholders in insurance claims, including storm and tornado damage settlements.

Sample KS Public Adjuster Practice Questions

Try these sample questions to test your KS Public Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Under Kansas law (K.S.A. 40-5501 through 40-5519), public adjusters are limited to assisting insureds with which type of claims?

A.All lines of insurance claims

B.First party claims arising under commercial lines insurance contracts only

C.Only residential homeowner's claims

D.Third party liability claims

Explanation: Kansas public adjusters are uniquely limited to first party claims arising under commercial lines insurance contracts. Under K.S.A. 40-5502(l), a public adjuster aids or acts on behalf of an insured in negotiating or settling claims for loss or damage covered by and limited to commercial lines insurance contracts.

2What is the maximum compensation a Kansas public adjuster can charge under K.S.A. 40-5513?

A.5% of the insurance settlement

B.10% of the insurance settlement or proceeds

C.15% of the insurance settlement

D.20% of the insurance settlement

Explanation: Under K.S.A. 40-5513(a), no public adjuster shall charge, agree to, or accept as compensation any payment, commission, fee, or other thing of value equal to more than 10% of any insurance settlement or proceeds. This is one of the most specific fee caps in the nation.

3Which state agency regulates public adjuster licensing in Kansas?

A.Kansas Secretary of State

B.Kansas Department of Insurance

C.Kansas Attorney General's Office

D.Kansas Department of Revenue

Explanation: The Kansas Department of Insurance regulates and licenses public adjusters under K.S.A. 40-5501 et seq. The Department administers the licensing requirements, exam process, continuing education, and enforcement actions for public adjusters in the state.

4What is the license application fee for a Kansas public adjuster?

A.$40

B.$50

C.$75

D.$100

Explanation: Under K.S.A. 40-5505, the public adjuster license fee in Kansas is $100. This applies to both initial applications and is collected when the application is submitted through NIPR. Application fees are nonrefundable.

5How many continuing education (CE) hours must a Kansas public adjuster complete per biennial renewal period?

A.12 hours

B.18 hours

C.24 hours

D.30 hours

Explanation: Kansas public adjusters must complete 18 hours of continuing education per biennial (2-year) renewal period, including 3 hours of ethics. This is lower than the standard 24-hour requirement in most states.

6Under K.S.A. 40-5513(d), can a Kansas public adjuster require a fee, retainer, or deposit BEFORE settlement of a claim?

A.Yes, up to $500 can be charged upfront

B.Yes, as long as the client agrees in writing

C.No, a public adjuster shall not require any fee, retainer, compensation, deposit, or other thing of value prior to settlement

D.Yes, but only for commercial claims over $100,000

Explanation: Under K.S.A. 40-5513(d), no Kansas public adjuster shall require, demand, or accept any fee, retainer, compensation, deposit, or other thing of value prior to the settlement of a claim. All compensation must come from the settlement proceeds after the claim is resolved.

7What is the minimum age requirement to apply for a public adjuster license in Kansas?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Applicants for a Kansas public adjuster license must be at least 18 years old. This is a standard minimum age requirement consistent with most professional licensing in Kansas.

8Does Kansas require pre-licensing education for public adjuster license applicants?

A.Yes, 40 hours of pre-licensing education

B.Yes, 24 hours of pre-licensing education

C.No, Kansas does not require pre-licensing education for public adjuster applicants

D.Only 8 hours of pre-licensing education

Explanation: Kansas does not require pre-licensing education for public adjuster license applicants. However, applicants must pass the Kansas Public Adjusters Examination. While not required, exam preparation courses are strongly recommended due to the difficulty of the examination.

9What is the license renewal fee for a Kansas public adjuster?

A.$40

B.$50

C.$75

D.$100

Explanation: Under K.S.A. 40-5509, the public adjuster license renewal fee in Kansas is $100. The renewal is biennial (every two years), and the public adjuster must also meet continuing education requirements.

10Under K.S.A. 40-5503, which of the following persons is exempt from Kansas public adjuster licensing requirements?

A.A retired insurance company employee

B.An attorney-at-law admitted to practice in Kansas, when acting in their professional capacity

C.Any person with more than 5 years of insurance experience

D.A licensed real estate agent

Explanation: Under K.S.A. 40-5503(c)(1), an attorney-at-law admitted to practice in Kansas is exempt from public adjuster licensing when acting in their professional capacity as an attorney. Other exemptions include persons who negotiate life or health claims and those employed only for obtaining facts or technical assistance.

About the KS Public Adjuster Exam

The Kansas public adjuster exam covers state PA licensing requirements, policyholder advocacy, claims documentation, insurance policy interpretation, fee regulations, and professional ethics under Kansas insurance statutes.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Kansas Insurance Department)

KS Public Adjuster Exam Content Outline

20%

KS PA Licensing

Kansas licensing requirements, exam eligibility, surety bond, CE, renewal process

25%

Claims Process

Claims documentation, filing procedures, damage assessment, loss estimation

20%

Policy Interpretation

Coverage analysis, exclusions, endorsements, policy structure and reading

20%

KS Regulations

Fee caps, solicitation rules, letter of representation, Kansas statutes

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the KS Public Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: Varies

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

KS Public Adjuster Study Tips from Top Performers

1Master Kansas's public adjuster licensing requirements and statutes

2Understand the difference between public, independent, and staff adjusters

3Study insurance policy structure: declarations, conditions, exclusions

4Know Kansas's fee cap regulations and solicitation rules

5Review storm and tornado damage claims documentation procedures

Frequently Asked Questions

What does the Kansas public adjuster exam cover?

The KS PA exam covers Kansas insurance laws, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics.

What is the passing score for the Kansas PA exam?

Kansas requires a score of 70% or higher to pass the public adjuster licensing examination.

What bond is required for Kansas public adjusters?

Kansas requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by the Kansas Insurance Department.

What is the difference between a public adjuster and a claims adjuster?

A public adjuster represents the policyholder in insurance claims, while a claims adjuster works for the insurance company. PAs advocate for maximum settlement on behalf of the insured.