Does obtaining a Kentucky Adjuster License allow adjustment of all types of insurance claims?

Obtaining a Kentucky Adjuster License specifically allows for the adjustment of property and casualty claims but does not encompass all types of insurance claims. This licensing is grounded in the regulatory framework that defines the scope of practice for adjusters in Kentucky.

Property and casualty claims include those related to automobile insurance, homeowners insurance, and commercial property policies, which are essential categories covered by this license. However, life insurance claims fall outside this category, necessitating a separate license for life insurance adjusters, which is not applicable to those who hold just a property and casualty license.

The phrasing of the question focuses on the extent of the adjuster’s authority under the specific license. Therefore, the correct answer emphasizes the limit of the adjuster’s scope to property and casualty claims, differentiating it from other types, such as life or liability insurance claims, which would require different qualifications and licensing.