Public Adjusters in Kansas

Yes. Public adjusters are licensed and regulated by the Kansas Insurance Department (KID) under state statute K.S.A. 40-5501 et seq. Only licensed public adjusters can represent policyholders for a fee in Kansas.

• Review and interpret your policy for coverage.
• Assess and document property damage.
• Prepare and submit detailed claims to your insurer.
• Negotiate settlements to help you receive the maximum payout.

• Be at least 18 years old.
• Submit an online application through the National Insurance Producer Registry (NIPR).
• Pass the Kansas public adjuster licensing exam.
• Provide a $10,000 surety bond payable to the Kansas Insurance Department.

• Tornado and windstorm damage
• Hail and roof damage
• Fire and smoke losses
• Water damage from burst pipes or flooding
• Business interruption and commercial property losses

Kansas does not have a fixed statewide fee cap, but all fees must be clearly disclosed in writing and agreed upon before services begin.
Most public adjusters charge a small percentage of the total claim payout, depending on the complexity and claim size.

• Be written and signed by both the policyholder and adjuster.
• List the adjuster’s name, license number, and contact information.
• Clearly disclose all fees or percentages charged.
• Provide a three-business-day right to cancel without penalty.

• Your insurance payout offer seems lower than expected.
• You’ve suffered significant property damage (storm, hail, or fire).
• You want expert help managing your insurance paperwork and negotiations.

You can check an adjuster’s license status directly on the Kansas Insurance Department’s License Lookup Portal. It lists current license holders, expirations, and disciplinary actions.