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Kansas Public Adjuster — Requirements & Free Practice

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Public Adjuster License

Individual public adjuster licensure for first-party claims under commercial lines insurance contracts; residential-lines public adjusting is outside the act.

Licensing authority: Kansas Department of Insurance · Application information

Relicensure within 12 months after cancellation
No examination is required for this applicant pathway.
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Application Window
The application must be received within 12 months after cancellation.
Board Resident Checklist
For resident applicants the Department checklist demands passage of the Kansas examination, but K.S.A. 40-5507(c) exempts this qualifying relicensure.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Examination Waiver
K.S.A. 40-5507(c) expressly waives any prelicensing examination.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Previous Kansas License
Previously held a Kansas public adjuster license and was in good standing when it was cancelled.

Official no-examination sources

Effective from 2026-09-22.

Reapplication following denial after a hearing
KS Public Adjuster
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Examination Exemptions
K.S.A. 40-5506 applies subject to the examination exemptions in K.S.A. 40-5507; a currently held examination-qualified license elsewhere may exempt the applicant.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Waiting Period
Do not reapply until one year after the commissioner's denial order.
Licensure with a current examination qualified license held elsewhere
No examination is required for this applicant pathway.
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Board Resident Checklist
For resident applicants the Department checklist says: "You must have passed the Kansas Public Adjusters Examination"; the statutory exemption controls qualifying endorsement applicants.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Examination Waiver
Currently hold a public adjuster license issued elsewhere based on passing that jurisdiction's public adjuster examination; K.S.A. 40-5507(a) waives Kansas prelicensing examination. The other jurisdiction's examination and license are applicant evidence, not Kansas exam leaves.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Residency
Kansas-home-state or nonresident applicant; apply the residency and reciprocal conditions appropriate to the applicant.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within 12 months after renewal lapse
No examination is required for this applicant pathway.
Application Window
Apply within 12 months after the renewal due date.
Effective License
The new license takes effect when the commissioner receives the required proof and reinstatement fee.
Fee
Pay the $100 reinstatement fee.
Renewal Completion
Provide satisfactory proof of completion of the renewal process, including applicable resident or nonresident continuing education requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure without reciprocal eligibility
KS Public Adjuster
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Reciprocal Instructions
The Department's ordinary nonresident checklist instead requires a designated-home-state public adjuster license; this route is the examination pathway expressly retained by K.S.A. 40-5505(a)(1).
Residency
Nonresident applicant is not eligible under K.S.A. 40-5508 and is not exempt under K.S.A. 40-5507.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the completed appropriate application, proper licensure request and applicable fee; furnish financial responsibility if the commissioner requires it.
Continued Eligibility
Maintain the home-state resident license; a qualifying reciprocal new home-state resident license is required to preserve nonresident licensure after a home-state change.
Department Checklist
Be at least 18; apply through NIPR, pay the nonrefundable $100 application fee, and hold a public adjuster license in the designated home state. Paper applications are not accepted.
Examination Basis
K.S.A. 40-5508 sets the complete reciprocal issuance conditions. K.S.A. 40-5507(a) also expressly exempts an applicant currently licensed elsewhere on the basis of passing that jurisdiction's public adjuster examination.
Home License
Currently hold a resident public adjuster license in good standing in the designated home state.
Reciprocity
The home state awards nonresident public adjuster licenses to Kansas residents on the same basis.
Verification
Home-state license status is verified through the NAIC Producer Data Base; no home-state 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
Kansas continuing education is exempted when home-state requirements are met and the home state credits Kansas residents on the same basis; home-state license and CE compliance are verified through the NAIC Producer Data Base. Otherwise the Kansas 18-hour requirement applies.
Current License
Maintain a qualifying resident public adjuster license in the home state.
Due Date
Last day of the birth month in an even or odd year matching birth-year parity; the first due date is not earlier than two years after initial licensure.
Extension
An eligible licensee may request an extension for military service, long-term medical disability or other extenuating circumstances.
Renewal
Timely submit the renewal application and pay the $100 biennial renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
KS Public Adjuster
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Application Fees
Submit the NAIC Uniform Application for Individual Adjuster through NIPR; pay $100 application and $60 fingerprinting fees, both nonrefundable.
Background Disclosure
Department instructions require disclosure of expungements related to insurance fraud.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fingerprints
Department resident instructions require physical fingerprint cards and a KBI waiver submitted by mail.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Passing Score Age
Department instructions state licensing test scores are valid for two years from the examination date.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Residency
Kansas is the designated home state; applicant is not covered by a statutory examination exemption.
Tax Clearance
Upload a current Kansas Certificate of Tax Clearance through the NIPR Attachment Warehouse.
Resident licensure after relocation to Kansas
No examination is required for this applicant pathway.
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Application Window
Apply within 90 days of establishing legal residence in Kansas.
Board Resident Checklist
The Department resident checklist says: "You must have passed the Kansas Public Adjusters Examination"; K.S.A. 40-5507(b) controls this relocation exemption.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Examination Waiver
K.S.A. 40-5507(b) expressly waives the Kansas prelicensing examination.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Previous License
Hold a public adjuster license from another jurisdiction issued on the basis of passing its public adjuster examination.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 18 approved continuing education hours per biennium, including at least three hours of insurance ethics; providers report completion electronically to SBS.
Current License
Hold a license that has not been revoked, terminated or suspended.
Due Date
Last day of the birth month in an even or odd year matching birth-year parity; the first due date is not earlier than two years after initial licensure.
Extension
A licensee unable to comply because of military service, long-term medical disability or other extenuating circumstances may request an extension under K.S.A. 40-5509(d).
Renewal
Timely submit the renewal application through NIPR and pay the $100 biennial renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Reapplication or reinstatement after revocation
KS Public Adjuster
Age
Be at least 18 years old.
Application
Submit the prescribed application truthfully; provide verification documents and pay the application fee.
Criminal History
K.S.A. 40-5504(c) requires a criminal history record check for applicants not exempt under K.S.A. 40-5507; fingerprinting and background-check costs are paid by the applicant when required.
Eligibility
Be eligible to designate Kansas as home state, or be a nonresident ineligible for licensure under K.S.A. 40-5508.
Examination Exemptions
The ordinary examination requirement applies subject to K.S.A. 40-5507. A current examination-qualified license elsewhere may support an exemption; the 12-month cancelled-license exemption requires good standing at cancellation.
Financial Responsibility
Be financially responsible and furnish any commissioner-required surety bond or irrevocable letter of credit under K.S.A. 40-5511.
Fitness
No ground for denial under K.S.A. 40-5510; be trustworthy, reliable and of good reputation.
Fitness Review
The commissioner considers present moral fitness, recognition of wrongful conduct, rehabilitation, seriousness of the original conduct, subsequent conduct, elapsed time, character and experience at revocation, and present industry competence and skills.
Office
Maintain an office in the home state with public access during regular business hours or by reasonable appointment.
Practice Scope
The license authorizes public adjusting of first-party commercial lines claims. K.S.A. 40-5503(c) separately exempts attorneys acting professionally, life/health/annuity claims negotiators, fact-gathering and technical assistants, health claim filers, and insurer subrogation claims settlers.
Waiting Period
Do not reapply until two years after the commissioner's revocation order.

KS Public Adjuster

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