Free Kentucky Public Adjuster Practice Test

Free Kentucky public adjuster practice test

Ten free questions from the AdjusterBase Kentucky course, one from each of ten lessons, with the explanation for every answer.

AdjusterBase is an independent study platform for public adjuster licensing exams in all 50 states, plus free claim education. Find your state course.

This is a short learning exercise, not the official examination or a prediction of passing. Questions cover: Kentucky licensing status, moratorium, and course purpose; Public-adjuster role, exemptions, and legal boundaries; Incumbent licensing, apprentice rules, and financial responsibility; Contracts, forms, disclosure, and rescission for the July 15 cohort; Negotiation restriction, insured access, and conflicts; Fees, compensation, and emergency-service limits; Fiduciary funds, receipts, disbursement, and records; Consumer claim timing, communications, and undisputed payments; Property valuation, matching, depreciation, and evidence; Unfair practices, complaints, enforcement, and escalation. Answers stay in your browser.

1. What does KRS 304.9-430 do with ordinary new public-adjuster applications during the current moratorium? The commissioner may not accept or approve them, and the department may not issue the licenses. It accepts applications but delays the exam. It bars only resident applications. It converts every application to an independent-adjuster license.

2. Under the current definition, what compensated activity can make a person a public adjuster? Rendering advice or assistance to an insured in a first-party claim under insurance covering real or personal property. Investigating liability claims for an insurer. Giving unpaid weather information to the public. Selling a new life policy.

3. What is the minimum age for an individual resident adjuster applicant under KRS 304.9-430? Eighteen. Sixteen. Twenty-one. There is no age requirement.

4. For contracts entered on or after July 15, 2026, when may a PA ordinarily begin providing services? After an approved written contract is executed and the applicable rescission period concludes. Immediately after an oral agreement. As soon as the PA sends a fee schedule. Only after the insurer pays.

5. For an affected contract entered on or after July 15, 2026, what does KRS 304.9-4331(7) prohibit during its two-year period? A public adjuster negotiating with an insurer on behalf of an insured in adjustment or settlement of a claim. The insured communicating about the insured’s own claim. The PA organizing photographs for the insured. An attorney acting in professional capacity negotiating for a client.

6. On what amount may a PA fee be based for the July 15 contract cohort? Only insurance settlement proceeds actually received by the insured. The policy limit whether paid or not. The insurer’s confidential reserve. The contractor’s retail proposal regardless of coverage.

7. How must settlement funds received or held by a PA for an insured be handled? In a fiduciary capacity. As unrestricted operating revenue. As the PA’s advance fee. As insurer reserves.

8. Under 806 KAR 12:095, how is “days” generally defined? Monday through Friday, excluding holidays. Every calendar day. Business days including holidays. Only days after proof of loss.

9. Under 806 KAR 12:095’s rule for fire-and-extended-coverage-type policies with replacement-cost coverage, what consequential physical damage belongs in the loss when needed to repair or replace an item? Consequential physical damage not otherwise excluded by the policy. No access damage can ever be included. Every economic loss without regard to policy. The PA’s fee.

10. What does KRS 304.12-230 require before refusing to pay a claim? A reasonable investigation based on all available information. Review of only the insurer’s first estimate. A PA licensing examination. A lawsuit in every case.

What the full Kentucky course adds

The paid course has 24 lessons, 209 practice questions and 257 flashcards, plus two 100-question timed readiness exams that mirror the exam blueprint. Every question links back to the lesson it tests, and your mistakes collect in a notebook for review. See the Kentucky curriculum and sources or the Kentucky license requirements.

About this practice test

Are these the real Kentucky public adjuster exam questions?

No. They are original AdjusterBase study questions written to the topics the Kentucky course covers. The official exam uses its own confidential items.

How many questions does the full Kentucky course have?

The current edition has 209 practice questions with explanations, 257 flashcards and two 100-question timed readiness exams. These ten are drawn from that bank.

Do I need an account to take this test?

No. Your answers stay in your browser and are not sent to a server. A free account is only needed to save progress inside a paid course.