How to Become an Insurance Adjuster in Kentucky

Written by: Kevelyn Rodriguez

Cartoon man holding Kentucky Insurance Adjuster

    Getting a Kentucky insurance adjuster license requires completing a few steps to apply for a resident license in your state.

    Kentucky requires an adjuster to successfully pass an exam before obtaining a license. To become an insurance adjuster in Kentucky, simply complete the steps below to get your insurance adjuster license.

     

    What Kind of Insurance Adjuster Will You Be?

    There are four main types of insurance adjusters: staff adjuster, independent adjuster, catastrophe adjuster, and public adjuster.

    Each of these positions accomplishes essentially the same task: assess the damage to property brought about by some event and make an evaluation of what monetary value the insurance claim should carry.

    The big difference between these different types of adjusters is who pays them, and in the case of the public adjuster, who they are advocating for. Staff, independent, and catastrophe adjusters all require the same type of license, while a public adjuster license is a little different in its specifications.

    • Staff Adjuster – Works directly for an insurance company
    • Independent Adjuster – Works for a third-party company who performs insurance adjuster work and is contracted by an insurance company
    • Catastrophe (CAT) Adjuster – An independent adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs claims adjuster services en masse
    • Public Adjuster – Is an advocate for the insurance customer, not the insurance company (requires a different type of license)

     

    This article provides five easy steps on how to get a Kentucky insurance adjuster license. These steps cover the process of applying for a standard insurance claims adjuster license (sometimes known as an independent adjuster license).

     

    How to Get Your Insurance Adjuster License in Kentucky

    Getting your Kentucky insurance adjuster license is a simple and easy process. Follow these 5 easy steps to get started. Don’t forget to bookmark this page so that you can refer to it again throughout the process.

     

    Step 1. Kentucky Insurance Adjuster License Application

    In Kentucky, the first step to get your insurance adjuster license is to apply for your license.

    The fee for an online application is $50. Apply online with the Kentucky Insurance Adjuster License Application. After you process your application online, you must submit a complete background check.

    To order the report for your background check, go to the Kentucky Court of Justice. There is a $25 fee for this report.

     

    Step 2. Adjuster Pre-Exam Education

    Preparation for this exam is not something to take lightly, as the average pass rate of insurance exams nationwide is around 55% for first-time test-takers, and even less for any following attempts. We want you to pass your test the first time you take it.

    Studying for this exam can take many different forms. The most common way to get prepared is to take an online study course. These courses are generally comprised of video and text with short knowledge quizzes to make sure you have a comprehensive understanding.

    A slightly more minimal approach would be to purchase a state-specific study guide. These guides give you all of the facts that you need to pass the exam and maybe a bit less expensive than a course. They are, however, quite long and densely packed books, so be sure you are ready to tackle this task.

    You should choose the method that fits best for you. Some people learn best out of a book, while others take in information better through video and short text. Remember, the goal is to pass your exam on the first attempt, so pick your best path forward and study hard.

    Recommended

    For adjuster pre-licensing and study materials, StateRequirement recommends:

     

    Step 3. Kentucky Insurance Adjuster License Exam

    The next step after completing all your coursework is to take and pass the Kentucky Insurance Adjuster License exam. Depending on the lines of authority you wish to carry, you may need to take more than one exam.

    This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam. When you arrive at the exam location you must have a photo ID any other documents that the testing facility has asked you to bring.

    Kentucky offers the Property and Casualty Adjuster line, Workers’ Compensation Adjuster line, and Crop Adjuster line.

    • The Property and Casualty Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
    • The Workers’ Compensation Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
    • The Crop Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.

     

    An outline of included subjects for these exams can be found here: Kentucky Department of Insurance Examination Content Outline.

    Each attempt of the exam costs $50. You must create an account in Kentucky Department of Insurance eServices to register and schedule the examination.

    The Kentucky Department of Insurance does not advise what a passing score is.

    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

    Tip:

    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    You may find more information on the Kentucky Department of Insurance Testing or by calling (800) 595-6053.

     

    Step 4. Background Check

    Kentucky requires that all insurance license applicants initiate a background check prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Kentucky Department of Insurance at (502) 564-6004 or email the License Department.

    The fee for having a background check run online is $25.

    To initiate the background check, go to the Kentucky Court of Justice AOCFastCheck system, then follow these steps:

    1. Select “Register”
    2. Leave the top radio button selected, and fill out the form to register yourself for the system
    3. You will receive an email with a verification link — open it and click the link
    4. Login to the AOC FastCheck system with the information you just registered
    5. Select “Create New Record Request”
    6. Category “Licensing” — Group “Dept. of Insurance (DOI)” — Reason “Licensing”
    7. Complete form with all of your information, then select “Add To Batch”
    8. On the bottom, left of the page, the “Submit Request” button should now be usable — Select “Submit Request”
    9. Follow any further instructions

     

    Online requests are processed within two business days of being received and the report is valid for 60 days only. This can be an arduous task, so if you have any questions, please contact the Administrative Office of the Courts Customer Service, Pretrial Services, Records Division at (502) 573-1682 or (800) 928-6381.

     

    Step 5. Application Review

    Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about three to five (3-5) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

    You may monitor and track the status of your application on the Kentucky Department of Insurance eServices.

     

    Step 6. Execution of Kentucky Surety Bond

    You must obtain and submit a bond in the penal sum of $1,000 executed by a Kentucky admitted surety, and signed by the principal.

    The bond is not a step technically a requirement of the Kentucky Insurance Adjuster License, but it is required that you be bonded before you are able to conduct any adjuster business.

     

    Congratulations!

    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.




    Kentucky Department of Insurance Contact Information

    Mailing Address:

    Kentucky Department of Insurance
    P.O. Box 517
    Frankfort, Kentucky, 40602

    Phone: (502) 564-6004

    Fax: (502) 654-6030

    Email: DOI.AgentLicensingMail@ky.gov

    Website: http://insurance.ky.gov




    Kentucky Insurance Adjuster License FAQ

    How long does it take to become an insurance adjuster in Kentucky? 

    In Kentucky, the process of insurance adjuster licensing can range from a few weeks to a few months (pre-exam education, pre-license exam, background checks, license application, and application review). Follow the steps above to get your insurance license in Kentucky.

     

    Do you need a license to become an insurance adjuster?

    Yes. Earning an insurance adjuster license allows you to increase your income potential, add to your credibility, and qualify for advanced employment opportunities.

     

    Is being an insurance adjuster difficult?

    Being an insurance adjuster can be a highly rewarding role. In fact, insurance claims adjusters enjoy their work and report high levels of job satisfaction, according to Payscale.

     

    How much do insurance adjusters make?

    According to the Bureau of Labor Statistics, the most recent median annual salary for claims adjusters, examiners, and investigators was $65,080. This was higher than the median salary for all occupations in May 2021, which was $45,760. The highest earners worked for the government, with a median salary of $81,890.

    If you want to work as a catastrophe (CAT) adjuster in areas frequently affected by natural disasters (like the Gulf Coast), you will likely have higher earnings potential and employment. For independent insurance adjusters that work on commission rather than salary, the high demand for claims adjusters in these areas can result in a lot of business.

     

    What skills are needed to be an insurance adjuster?

    Insurance claims adjusters typically investigate insurance claims and travel to locations to inspect property (such as automobiles, buildings, etc.), assess damage, and make notes on repairs and costs. Insurance adjusters deal with individuals in high-stress situations a lot so you must have a professional attitude at all times.

    Due to the nature of the job, insurance claims adjusters must have excellent communications skills, write clearly, be comfortable with math and basic computer software, and have a flexible schedule since they travel a lot to areas hit by disasters with irregular work hours. Insurance adjusters must have specific industry knowledge to interpret contracts, determine insurance claim payouts, and make recommendations for how the insurance company proceeds in resolving the claim.

     

    Do you need a degree to be an insurance adjuster?

    You don’t need a four-year degree to become licensed as an insurance adjuster. However, you will need to complete your education requirements or pass the Kentucky insurance adjuster exam to be a licensed insurance adjuster.

    One of the prerequisites to fulfill your education requirements is to complete a minimum number of hours of college level insurance-related coursework. If you are working on an associate’s or bachelor’s degree, you can take courses that will work toward the Kentucky insurance adjuster license requirements.




    Information on this page has been gathered by a multitude of sources and was most recently updated in July 2022.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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