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Kansas Claims Adjuster — Requirements & Free Practice

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Public Adjuster License

Individual public-adjuster licensure for representation of insureds in first-party commercial property claims. Company and independent adjusters represent insurers, rather than insureds under this licence. Residential public adjusting is outside the Public Adjusters Licensing Act, as explained in Attorney General Opinion 2025-22. The survey treats resident and nonresident issuance as routes to this public-adjuster licence; it does not register an insurance-sales credential or a separate company or independent claims-adjuster credential.

Licensing authority: Kansas Department of Insurance · Application information

Relicensure within 12 months after good standing cancellation
No examination is required for this applicant pathway.
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Application Window
Application must be received within 12 months of cancellation under K.S.A. 40-5507(c).
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Criminal History Exemption
The mandatory criminal-history requirement of K.S.A. 40-5504(c) exempts 40-5507 applicants; commissioner discretion under 40-5505(d) remains.
Examination Exemption
No pre-licensing examination is required under K.S.A. 40-5507(c).
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Implementation For Residents
The resident page asks for the Kansas Public Adjusters Examination; 40-5507(c) expressly exempts this timely good-standing applicant. If applying as resident, the page also requests tax clearance, NIPR application, fingerprints/KBI waiver and fees.
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Prior Kansas Licence
Previously held a Kansas public-adjuster licence and was in good standing at cancellation.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure by examination with Kansas as home state
Kansas Public Adjuster Examination
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Conflicting Faq Retakes
The lower-ranked Department Licensing FAQ, under How often can I retake the exam if I fail?, states: "There are no limitations on retaking the exam; however, there is a seven-day waiting period before another exam attempt can be made." The requirement follows K.S.A. 40-5506(c).
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fingerprinting
The Department requires physical fingerprint cards and a KBI waiver form for a criminal-history check, mailed to its stated address, and a nonrefundable $60 fingerprinting fee. K.S.A. 40-5504(c) requires a criminal-history check of applicants not exempt under 40-5507; 40-5505(d) allows fingerprinting/background checks at applicant expense.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Eligibility
Eligible to designate Kansas as home state under K.S.A. 40-5502(g) and 40-5505(a)(1), and not applying through a statutory examination-exemption route.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Passing Score
K.A.R. 40-7-26(b) requires at least 70 percent unless exempt.
Score Age
The Department public-adjuster application instructions state that licensing test scores are valid for two years from the examination date.
Statutory Exemption
An applicant who satisfies a statutory examination exemption under K.S.A. 40-5507 may be excused. Separate exemption routes below identify those applicant conditions.
Statutory Retakes
K.S.A. 40-5506(c) requires at least seven days after the first and second failed attempts, then at least six months after the third failed attempt; after at least two years following the third examination the applicant is treated as a new applicant.
Submission
Submit the NAIC Uniform Application for Individual Adjuster through NIPR.
Tax Clearance
Upload the Kansas Department of Revenue Certificate of Tax Clearance to NIPR Additional Licensing Documents; the Department will not process the application until it receives the certificate.
Reapplication after the statutory 12 month cancellation or lapse relief has ended
Kansas Public Adjuster Examination
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Conflicting Faq Retakes
The lower-ranked Department Licensing FAQ, under How often can I retake the exam if I fail?, states: "There are no limitations on retaking the exam; however, there is a seven-day waiting period before another exam attempt can be made." The requirement follows K.S.A. 40-5506(c).
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Other Available Routes
An applicant with qualifying current out-of-state credentials may use the applicable statutory examination exemption or reciprocal nonresident route.
Passing Score
K.A.R. 40-7-26(b) requires at least 70 percent unless exempt.
Prior Licence
Former Kansas licensee outside the applicable 12-month relief in K.S.A. 40-5507(c) and 40-5509(c), applying again under the ordinary licensing requirements.
Resident Materials
For resident applications, the Department requests tax clearance, fingerprints/KBI waiver, NIPR submission and its stated fees.
Score Age
The Department public-adjuster application instructions state that licensing test scores are valid for two years from the examination date.
Statutory Exemption
An applicant who satisfies a statutory examination exemption under K.S.A. 40-5507 may be excused. Separate exemption routes below identify those applicant conditions.
Statutory Retakes
K.S.A. 40-5506(c) requires at least seven days after the first and second failed attempts, then at least six months after the third failed attempt; after at least two years following the third examination the applicant is treated as a new applicant.
Resident licensure after moving to Kansas with examination based credentials
No examination is required for this applicant pathway.
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Application Window
Apply within 90 days of establishing legal residence in Kansas under K.S.A. 40-5507(b).
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Criminal History Exemption
K.S.A. 40-5504(c) exempts 40-5507 applicants from its mandatory criminal-history check; the resident page nevertheless asks for fingerprints and the commissioner retains 40-5505(d) authority.
Existing Licence
Hold an out-of-state public-adjuster licence based on passage of a public-adjuster examination; that other state examination is an applicant condition.
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fingerprinting
The Department requires physical fingerprint cards and a KBI waiver form for a criminal-history check, mailed to its stated address, and a nonrefundable $60 fingerprinting fee. K.S.A. 40-5504(c) requires a criminal-history check of applicants not exempt under 40-5507; 40-5505(d) allows fingerprinting/background checks at applicant expense.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Implementation Exam Demand
The Department resident application page states "You must have passed the Kansas Public Adjusters Examination"; K.S.A. 40-5507(b) specifically provides that no pre-licensing examination is required of this eligible new resident.
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Ordinary Eligibility
Meet K.S.A. 40-5505 licensing conditions.
Submission
Submit the NAIC Uniform Application for Individual Adjuster through NIPR.
Tax Clearance
Upload the Kansas Department of Revenue Certificate of Tax Clearance to NIPR Additional Licensing Documents; the Department will not process the application until it receives the certificate.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement following a renewal lapse within 12 months
No examination is required for this applicant pathway.
Continuing Education
K.S.A. 40-5512(d) exempts a nonresident who meets home-state continuing education requirements and whose home state gives Kansas residents credit on the same basis; otherwise the 18-hour/three-hour ethics requirement applies.
Home State Licence
Maintain the qualifying resident home-state public-adjuster licence and reciprocity under K.S.A. 40-5508(c).
Lapse Window
A licence allowed to lapse may be reissued within 12 months of the renewal due date upon proof of satisfactory completion of the renewal process.
Licence Status
The licence must not be revoked, terminated or suspended; other applicable renewal requirements must be met.
New Licence Effectiveness
The new licence is effective when the commissioner receives the proof and reinstatement fee.
Reinstatement Fee
Pay a $100 reinstatement fee under K.S.A. 40-5509(c), in addition to satisfying the renewal process.
Renewal Fee
Submit the renewal through NIPR with a $100 biennial renewal fee under the Department instructions.
Renewal Timing
Submit a timely biennial renewal, by the last day of the birth month in the even or odd year corresponding to the birth year; the initial biennial due date is not earlier than two years after initial licensure.
Status Verification
The Department verifies home-state licence and continuing education compliance through the NAIC Producer Data Base.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure when statutory reciprocity is unavailable
Kansas Public Adjuster Examination
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Conflicting Faq Retakes
The lower-ranked Department Licensing FAQ, under How often can I retake the exam if I fail?, states: "There are no limitations on retaking the exam; however, there is a seven-day waiting period before another exam attempt can be made." The requirement follows K.S.A. 40-5506(c).
Criminal History
If not exempt under K.S.A. 40-5507, a criminal-history check is required under 40-5504(c); fingerprinting/background checks and applicant-paid costs may be required under 40-5505(d).
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Nonreciprocal Eligibility
Nonresident not eligible for a reciprocal licence under K.S.A. 40-5508; K.S.A. 40-5505(a)(1) expressly admits this applicant to ordinary licensure.
Passing Score
K.A.R. 40-7-26(b) requires at least 70 percent unless exempt.
Score Age
The Department public-adjuster application instructions state that licensing test scores are valid for two years from the examination date.
Statutory Exemption
An applicant who satisfies a statutory examination exemption under K.S.A. 40-5507 may be excused. Separate exemption routes below identify those applicant conditions.
Statutory Retakes
K.S.A. 40-5506(c) requires at least seven days after the first and second failed attempts, then at least six months after the third failed attempt; after at least two years following the third examination the applicant is treated as a new applicant.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a proper request and completed application; current instructions require the NAIC Uniform Application for Individual Adjuster online through NIPR and reject paper applications.
Current Home State Licence
Currently licensed and in good standing as a resident public adjuster in the designated home state.
Fee
Pay the applicable application fee; current instructions state $100, nonrefundable.
Financial Responsibility
Provide proof under K.S.A. 40-5511 if required by the commissioner.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Maintenance
Maintain the qualifying resident licence and reciprocity; loss of the home-state licence terminates the Kansas nonresident licence unless the statutory new-home-state exception applies, with notification within 30 days.
Minimum Age
The Department nonresident application requires age 18 or older.
Reciprocity
The home state must award nonresident public-adjuster licences to Kansas residents on the same basis.
Status Verification
The commissioner may verify the licence through the NAIC producer database; the Department says no certification letter is required.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
K.S.A. 40-5512(d) exempts a nonresident who meets home-state continuing education requirements and whose home state gives Kansas residents credit on the same basis; otherwise the 18-hour/three-hour ethics requirement applies.
Home State Licence
Maintain the qualifying resident home-state public-adjuster licence and reciprocity under K.S.A. 40-5508(c).
Licence Status
The licence must not be revoked, terminated or suspended; other applicable renewal requirements must be met.
Renewal Fee
Submit the renewal through NIPR with a $100 biennial renewal fee under the Department instructions.
Renewal Timing
Submit a timely biennial renewal, by the last day of the birth month in the even or odd year corresponding to the birth year; the initial biennial due date is not earlier than two years after initial licensure.
Status Verification
The Department verifies home-state licence and continuing education compliance through the NAIC Producer Data Base.

Official no-examination sources

Effective from 2026-09-22.

Licensure by existing examination based public adjuster credentials
No examination is required for this applicant pathway.
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Existing Licence
Currently licensed as a public adjuster in another state based on passage of a public-adjuster examination (K.S.A. 40-5507(a)); that other state examination is an applicant condition, not a Kansas or nationwide examination leaf.
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Implementation For Residents
The Department resident application page also asks for passage of the Kansas Public Adjusters Examination. K.S.A. 40-5507(a) expressly exempts this eligible applicant from any pre-licensing examination. The statutory exemption controls; the page demand is recorded for the applicant.
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Ordinary Eligibility
Satisfy K.S.A. 40-5505 licensing conditions; a reciprocal nonresident applicant may instead use the 40-5508 route.
Resident Application Materials
If applying as a resident, the Department page also asks for tax clearance, fingerprints/KBI waiver, NIPR submission and the stated fees; statutory criminal-history exemption under 40-5504(c) applies to an applicant exempt under 40-5507.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after a licence denial following a hearing
Kansas Public Adjuster Examination
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Conflicting Faq Retakes
The lower-ranked Department Licensing FAQ, under How often can I retake the exam if I fail?, states: "There are no limitations on retaking the exam; however, there is a seven-day waiting period before another exam attempt can be made." The requirement follows K.S.A. 40-5506(c).
Eligibility
Reapply under the applicable initial licensing requirements; the commissioner must determine eligibility and any disqualifying acts.
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Passing Score
K.A.R. 40-7-26(b) requires at least 70 percent unless exempt.
Resident Materials
For resident applications, submit the Department resident materials and fees.
Score Age
The Department public-adjuster application instructions state that licensing test scores are valid for two years from the examination date.
Statutory Exemption
An applicant who satisfies a statutory examination exemption under K.S.A. 40-5507 may be excused. Separate exemption routes below identify those applicant conditions.
Statutory Exemptions
A qualifying examination exemption or reciprocal nonresident pathway remains an applicant-dependent alternative route.
Statutory Retakes
K.S.A. 40-5506(c) requires at least seven days after the first and second failed attempts, then at least six months after the third failed attempt; after at least two years following the third examination the applicant is treated as a new applicant.
Waiting Period
An applicant denied a licence after a hearing may not apply again until one year after the commissioner order under K.S.A. 40-5510(j)(1), as amended by 2026 Session Laws Chapter 86, section 4.
Reapplication or reinstatement after licence revocation
Kansas Public Adjuster Examination
Additional Verification
The commissioner may require documents reasonably necessary to verify the application (K.S.A. 40-5505(c)).
Application
Submit the appropriate uniform application or another application prescribed by the commissioner; certify that its statements are true, correct and complete under penalty of perjury and licence consequences (K.S.A. 40-5504).
Application Fee
Pay the application fee required by the commissioner, not exceeding $100; the current public-adjuster instructions state a nonrefundable $100 application fee.
Character And Eligibility
The commissioner must find that the applicant has no disqualifying act, is trustworthy, reliable and of good reputation, and is financially responsible (K.S.A. 40-5505(a)(2)-(4)).
Commissioner Rehabilitation Review
The commissioner considers present moral fitness; consciousness of wrongful conduct; rehabilitation; original seriousness; subsequent conduct; elapsed time; character, maturity and experience at revocation; and present insurance competence and skills under 40-5510(d)(2).
Conflicting Faq Retakes
The lower-ranked Department Licensing FAQ, under How often can I retake the exam if I fail?, states: "There are no limitations on retaking the exam; however, there is a seven-day waiting period before another exam attempt can be made." The requirement follows K.S.A. 40-5506(c).
Financial Responsibility
Provide proof required by K.S.A. 40-5511; the commissioner may require a prescribed surety bond or irrevocable letter of credit before issuance and throughout licensure.
Fraud Expungement Disclosure
Disclose an expunged arrest, conviction or diversion for a fraudulent insurance act in a public-adjuster application under K.S.A. 21-6614(i)(2)(L), as amended by 2026 Session Laws Chapter 157, section 2. The Department instructs applicants to answer the corresponding background question Yes.
Home State Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment (K.S.A. 40-5505(a)(6)).
Minimum Age
At least 18 years old under K.S.A. 40-5505(b)(1).
Passing Score
K.A.R. 40-7-26(b) requires at least 70 percent unless exempt.
Resident Materials
If applying as resident, the Department requires its resident application materials and fees.
Score Age
The Department public-adjuster application instructions state that licensing test scores are valid for two years from the examination date.
Statutory Exemption
An applicant who satisfies a statutory examination exemption under K.S.A. 40-5507 may be excused. Separate exemption routes below identify those applicant conditions.
Statutory Exemptions
Ordinary 40-5506 examination requirements apply unless a separate 40-5507 exemption applies; a revocation is not a good-standing cancellation under 40-5507(c).
Statutory Retakes
K.S.A. 40-5506(c) requires at least seven days after the first and second failed attempts, then at least six months after the third failed attempt; after at least two years following the third examination the applicant is treated as a new applicant.
Waiting Period
Do not apply again until two years have elapsed after the revocation order under K.S.A. 40-5510(j)(2), as amended by 2026 Session Laws Chapter 86, section 4.
Renewal with an extension for military, medical or other extenuating circumstances
No examination is required for this applicant pathway.
Commissioner Decision
The applicant may request an extension; the statute does not promise automatic approval or eliminate renewal conditions.
Extension Eligibility
Unable to comply with renewal procedures because of military service, a long-term medical disability or another extenuating circumstance; request additional time under K.S.A. 40-5509(d).
Renewal Requirements
Complete the applicable resident or nonresident renewal process, including required fee, continuing education and qualifying home-state licence where applicable.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement following a renewal lapse within 12 months
No examination is required for this applicant pathway.
Continuing Education
Complete 18 hours of commissioner-approved continuing education, including three hours of ethics, reported for the biennial renewal cycle.
Continuing Education Reporting
Providers submit completion electronically to SBS; the Department does not accept paper/electronic certificates or provider completion information after January 1, 2022.
Lapse Window
A licence allowed to lapse may be reissued within 12 months of the renewal due date upon proof of satisfactory completion of the renewal process.
Licence Status
The licence must not be revoked, terminated or suspended; other applicable renewal requirements must be met.
New Licence Effectiveness
The new licence is effective when the commissioner receives the proof and reinstatement fee.
Reinstatement Fee
Pay a $100 reinstatement fee under K.S.A. 40-5509(c), in addition to satisfying the renewal process.
Renewal Fee
Submit the renewal through NIPR with a $100 biennial renewal fee under the Department instructions.
Renewal Timing
Submit a timely biennial renewal, by the last day of the birth month in the even or odd year corresponding to the birth year; the initial biennial due date is not earlier than two years after initial licensure.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 18 hours of commissioner-approved continuing education, including three hours of ethics, reported for the biennial renewal cycle.
Continuing Education Reporting
Providers submit completion electronically to SBS; the Department does not accept paper/electronic certificates or provider completion information after January 1, 2022.
Licence Status
The licence must not be revoked, terminated or suspended; other applicable renewal requirements must be met.
Renewal Fee
Submit the renewal through NIPR with a $100 biennial renewal fee under the Department instructions.
Renewal Timing
Submit a timely biennial renewal, by the last day of the birth month in the even or odd year corresponding to the birth year; the initial biennial due date is not earlier than two years after initial licensure.

Official no-examination sources

Effective from 2026-09-22.

Kansas Public Adjuster Examination

Provider
Pearson
Format
Multiple-choice written examination
Exam questions
50 scored questions
Time limit
90 minutes
Passing score
70%
Exam fee
$57
Examination outline
  • GENERAL PROPERTY INSURANCE PRODUCT KNOWLEDGE PERTINENT TO PUBLIC ADJUSTERS
    • A. Commercial lines
    • A.1. Commercial property
    • A.1.a. Commercial building and personal property form
    • A.1.b. Business income
    • A.2. Law and Ordinance Coverage
    • B. Inland marine
    • B.1. Commercial floaters
    • C. Others
    • C.1. National Flood Insurance Program
    • D. Additional Coverages and Exclusions
    • D.1. Time Element
    • D.2. Valuable Papers and Records
    • E. Crime
    • E.1. Employee Theft
    • E.2. Inside the Premises-Theft of Money and Securities
    • E.3. Inside the Premises-Robbery or Safe Burglary of Other Property
  • PROPERTY POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Exclusions
    • C. Definition of the insured
    • D. Proof of loss
    • E. Notice of claim
    • F. Appraisal
    • G. Subrogation
    • H. Limitations
    • I. Coinsurance
    • J. Fraud
    • K. Obligations of the insurance company
    • L. Endorsements
  • PROPERTY INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurable interest
    • B. Risk
    • C. Hazard
    • C.1. Moral
    • D. Loss
    • D.1. Direct
    • D.2. Indirect
    • E. Deductible
    • F. Indemnity
    • G. Replacement cost
    • H. Extensions of coverage
    • I. Negligence
    • J. Theft
    • K. Burglary
    • L. Robbery
    • M. Binders
    • N. Apportionment clause
    • O. Waiver/Non-Waiver Agreement
    • P. Estoppel
  • PUBLIC ADJUSTER
    • A. Loss Report
    • A.1. Essential Elements
    • A.1.a. Occurrence Date
    • A.1.b. Coverages
    • B. Loss/Damage Valuation
    • B.1. Damages
    • B.2. Scope of Loss or Damages
  • KANSAS SPECIFIC STATUTES AND REGULATIONS
    • A. Commissioner of Insurance
    • A.1. General powers and duties — Ref: 40-103, 40-104, 40-105
    • A.2. Examinations — Ref: 40-208, 40-222, 40-222f, 40-246a
    • A.3. Hearings/Notice of hearings/Orders — Ref: 40-281, 40-2406, 40-2407; 40-2,125
    • B. Licensing requirements
    • B.1. Qualifications — Ref: 40-5502, 40-5504, 40-5505, 40-5506, 40-5509, 40-5511; K.A.R. 40-7-26
    • B.2. Exemptions — Ref: 40-5503, 40-5507
    • B.3. Resident/Nonresident — Ref: 40-5504, 40-5505, 40-5508
    • C. Maintaining a license
    • C.1. Continuing education — Ref: 40-5512
    • C.2. Change of address/place of business — Ref: 40-5509; K.A.R. 40-7-27
    • C.3. License renewal — Ref: 40-5509, 40-5512
    • C.4. Suspension or revocation of licenses/ felony convictions — Ref: 40-5510, 40-5517; K.A.R. 40-7-27
    • D. Marketing practices
    • D.1. Contracts and solicitation — Ref: 40-5513, 40-5514, 40-5516
    • D.2. Record keeping — Ref: 40-5515
    • D.3. Unfair marketing practices — Ref: 40-2404
    • D.3.a. Rebating
    • D.3.b. Misrepresentation
    • D.3.c. Defamation
    • D.3.d. Unfair discrimination
    • D.3.e. Controlled business
Examination sources