Public adjusters in Kansas: what the law allows
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Kansas licenses public adjusters for commercial insurance claims only; for home claims the state neither licenses nor bans them, so anyone offering to adjust a home claim is unlicensed and sits outside the public adjuster law and its protections.
A licensed Kansas public adjuster cannot charge more than 10% of the insurance settlement and cannot take any money before the claim settles. These rules are written for licensed public adjusters, whose license covers commercial claims only; the Attorney General says the Act does not regulate residential public adjusting, so do not assume the cap protects a homeowner.
10%
most a public adjuster can charge on a standard claim (commercial claims only)
3 business days
to cancel a public adjuster contract (commercial claims only)
10 working days
for the insurer to acknowledge your claim
15 working days
for the insurer to accept or deny
Each number is explained, with its source, in the sections below.
Can I hire a public adjuster in Kansas?
Kansas licenses public adjusters for commercial insurance claims only; for home claims the state neither licenses nor bans them, so anyone offering to adjust a home claim is unlicensed and sits outside the public adjuster law and its protections.
The Kansas Public Adjusters Licensing Act defines a public adjuster as someone who works on claims under commercial lines insurance contracts, and requires a license for that work. The Kansas Attorney General concluded in September 2025 that the Act therefore neither regulates nor prohibits public adjusting on residential claims, and the Department of Insurance repeats that on its licensing page. A 2026 bill to ban public adjusters from residential claims (HB 2461) died.
K.S.A. 40-5502(l)(1) (show the source wording)
The source says
“aids or acts on behalf of an insured in negotiating for, or effecting the settlement of, a claim for loss or damage covered by and limited to commercial lines insurance contracts”Read it at the source (opens in a new tab)
K.S.A. 40-5503(a) (show the source wording)
The source says
“A person shall not act as or represent that such person is a public adjuster in this state unless the person is an individual licensed as a public adjuster in accordance with this act.”Read it at the source (opens in a new tab)
K.S.A. 40-5501 (show the source wording)
The source says
“It specifies the duties of and restrictions on public adjusters, which include limiting their licensure to assisting insureds in first party claims.”Read it at the source (opens in a new tab)
Kan. Att'y Gen. Op. No. 2025-22 (Sept. 18, 2025), synopsis (show the source wording)
The source says
“the Act neither regulates nor prohibits public adjusting for claims arising under residential lines insurance contracts.”Read it at the source (opens in a new tab) · statute mirror; the official site could not be opened
Kansas Department of Insurance, Licensing: Public Adjusters (show the source wording)
The source says
“Licensing for public adjusters in Kansas is limited to public adjusting only for first-party claims arising under commercial lines insurance contracts.”Read it at the source (opens in a new tab)
Kansas Department of Insurance, Licensing: Public Adjusters (show the source wording)
The source says
“Per Kansas Attorney General Opinion 2025-22, residential lines public adjusting is neither prohibited nor required to have a license in Kansas.”Read it at the source (opens in a new tab)
Kansas Legislature, 2025-2026 session, HB 2461 (status: Died) (show the source wording)
The source says
“Prohibiting public adjusters from negotiating for or effectuating the settlement of any insurance claim relating to residential lines of insurance.”Read it at the source (opens in a new tab)
- Regulator
- Kansas Department of Insurance
- Check a licence
- Official licence lookup
- File a complaint
- Consumer complaint form
- Consumer line
- 800-432-2484
What can a public adjuster charge in Kansas?
A licensed Kansas public adjuster cannot charge more than 10% of the insurance settlement and cannot take any money before the claim settles. These rules are written for licensed public adjusters, whose license covers commercial claims only; the Attorney General says the Act does not regulate residential public adjusting, so do not assume the cap protects a homeowner.
The Act defines a catastrophic disaster but the fee section sets a single 10% cap with no separate catastrophe rate.
- The fee cannot be more than 10% of the insurance settlement or proceeds.
K.S.A. 40-5513(a) (show the source wording)
The source says“No public adjuster shall charge, agree to or accept as compensation or reimbursement any payment, commission, fee or other thing of value equal to more than 10% of any insurance settlement or proceeds.”
Read it at the source (opens in a new tab) - No fee, retainer or deposit can be collected before the claim is settled.
K.S.A. 40-5513(d) (show the source wording)
The source says“No public adjuster shall require, demand or accept any fee, retainer, compensation, deposit or other thing of value, prior to settlement of a claim.”
Read it at the source (opens in a new tab) - If the insurer pays or commits in writing to pay the policy limit within 72 hours after the loss is reported, the public adjuster cannot take a percentage and can charge only reasonable pay for time and expenses.
K.S.A. 40-5514(c) (show the source wording)
The source says“If the insurer, not later than 72 hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured the policy limit of the insurance policy, the public adjuster shall:”
Read it at the source (opens in a new tab) - A percentage fee comes out of each insurer check as it is paid. The contract cannot let the adjuster take the whole fee from the first check or collect on money the insurer owes but has not paid.
K.S.A. 40-5514(e)(1) (show the source wording)
The source says“allows a public adjuster to collect the entire fee from the first check issued by an insurance company, rather than as percentage of each check issued by an insurance company”
Read it at the source (opens in a new tab) - If the fee is a share of the settlement, the contract has to state the exact percentage.
K.S.A. 40-5514(b) (show the source wording)
The source says“If the compensation is based on a share of the insurance settlement, the exact percentage shall be specified.”
Read it at the source (opens in a new tab) - The contract cannot add collection costs or late fees.
K.S.A. 40-5514(e)(3) (show the source wording)
What must the contract say?
A licensed public adjuster's contract has to be in writing, titled "public adjuster contract", and list specific details including the license number and the full fee. The insured gets a separate disclosure document before signing and can cancel within three business days. The Act covers licensed commercial-lines public adjusters; the Attorney General says it does not regulate residential public adjusting.
Your right to cancel (commercial claims only): 3 business days. The cancellation has to be in writing and mailed or delivered to the public adjuster at the address in the contract within the three business days. Anything of value you gave must be returned within 15 business days after the adjuster gets the notice. These rules are written for licensed (commercial-lines) public adjusters.
- The contract has to be in writing and include the adjuster's name, business address, phone and license number, the title "public adjuster contract", your name and address, the insurer and policy number, a description of the loss and of the services, both signatures and the dates signed.
K.S.A. 40-5514(a) (show the source wording)
The source says“Public adjusters shall ensure that all contracts for their services are in writing and contain the following:”
Read it at the source (opens in a new tab) - The contract has to state everything the public adjuster will be paid.
K.S.A. 40-5514(a)(11) (show the source wording)
The source says“full salary, fee, commission, compensation or other considerations the public adjuster is to receive for services to be rendered by the public adjuster for or on behalf of the insured.”
Read it at the source (opens in a new tab) - The contract has to include a statement that the public adjuster is fully bonded.
K.S.A. 40-5514(a)(10) (show the source wording)
The source says“attestation language stating that the public adjuster is fully bonded pursuant to this act”
Read it at the source (opens in a new tab) - Before you sign, the adjuster has to give you a separate disclosure document explaining the claim process, the three kinds of adjusters, that you are not required to hire a public adjuster, and that the fee is yours to pay, not the insurer's.
K.S.A. 40-5514(f) (show the source wording)
The source says“Prior to the signing of the contract the public adjuster shall provide the insured with a separate disclosure document regarding the claim process”
Read it at the source (opens in a new tab) - The adjuster has to disclose in writing any financial interest in, or payment expected from, a contractor, salvage firm, appraisal firm or other business involved in the claim.
K.S.A. 40-5514(d) (show the source wording)
The source says“A public adjuster shall provide the insured a written disclosure concerning any direct or indirect financial interest that the public adjuster has with any other party who is involved in any aspect of the claim”
Read it at the source (opens in a new tab) - The contract cannot require you to tell the insurer to issue checks only in the public adjuster's name.
K.S.A. 40-5514(e)(2) (show the source wording)
The source says“requires the insured to authorize an insurance company to issue a check only in the name of the public adjuster”
Read it at the source (opens in a new tab) - The contract is signed in duplicate so you and the adjuster each keep an original.
K.S.A. 40-5514(g) (show the source wording)
The source says“The contracts shall be executed in duplicate to provide an original contract to the public adjuster and an original contract to the insured.”
Read it at the source (opens in a new tab) - You can cancel the contract within three business days after it was signed.
K.S.A. 40-5514(i) (show the source wording)
The source says“The insured has the right to rescind the public adjuster contract within three business days after the date the contract was signed.”
Read it at the source (opens in a new tab) - If you cancel, anything of value you gave has to be returned within 15 business days after the adjuster receives your notice.
K.S.A. 40-5514(j) (show the source wording)
The source says“anything of value given by the insured under the contract will be returned to the insured within 15 business days following the receipt by the public adjuster of the rescission notice.”
Read it at the source (opens in a new tab)
How can a public adjuster approach me?
- A public adjuster cannot solicit you while the event causing the loss is still happening.
K.S.A. 40-5516(b) (show the source wording)
The source says“A public adjuster shall not solicit, or attempt to solicit, an insured during the progress of a loss-producing occurrence, as defined in the insured's insurance contract.”
Read it at the source (opens in a new tab) - A licensed public adjuster cannot pose as an adjuster working for the insurance company.
K.S.A. 40-5503(b) (show the source wording)
The source says“A licensed public adjuster shall not misrepresent to a claimant that the individual is an adjuster representing an insurer in any capacity”
Read it at the source (opens in a new tab)
How long does my insurer have in Kansas?
-
You report the claim
The first clock starts here.
-
Insurer's first response
10 working days
counted from the day you report the claim
-
Insurer accepts or denies
15 working days
counted from proof of loss, or the last documents the insurer asked for
-
Insurer pays
No fixed number of days in the law
All insurance policies except workers' compensation, so it covers homeowners and commercial property claims.
- To acknowledge your claim. Your insurer has 10 working days after you report a claim to acknowledge it, unless it pays within that time.
K.A.R. 40-1-34, adopting NAIC Unfair Claims Settlement Practices Model Regulation (Jan. 1981 ed.) § 6(a), as compiled by the Kansas Department of Insurance (show the source wording)
The source says“Every insurer, upon receiving notification of a claim shall, within ten working days, acknowledge the receipt of such notice unless payment is made within such period of time.”
Read it at the source (opens in a new tab) - To accept or deny. After it receives your completed proof of loss, the insurer has 15 working days to tell you whether the claim is accepted or denied, or to tell you why it needs more time.
K.A.R. 40-1-34, adopting NAIC Unfair Claims Settlement Practices Model Regulation (Jan. 1981 ed.) § 8(a), as compiled by the Kansas Department of Insurance (show the source wording)
The source says“Within fifteen working days after receipt by the insurer of properly executed proofs of loss, the first party claimant shall be advised of the acceptance or denial of the claim by the insurer.”
Read it at the source (opens in a new tab)
No payment deadline was found; the Department of Insurance says there is none. The day counts come from the Department's own 'Unofficial Compilation of K.A.R. 40-1-34' (hosted on its older insurance.ks.gov domain), because the official regulation text at rules.ks.gov only adopts the NAIC model regulation, January 1981 edition, by reference. The Department's consumer page describes the rules more loosely as '10 days to respond to communications and 30 days to determine if the loss is covered', which does not match the regulation's 15 working days after proof of loss; the regulation text is used here. Separately, the insurer has 30 days after notice to finish investigating unless that cannot reasonably be done. Under K.S.A. 40-2404(9) a missed deadline is an unfair practice only if done flagrantly or often enough to be a general business practice.
What can I do if I disagree with the insurer?
- Complaint to the Kansas Department of Insurance. The Consumer Assistance Division takes complaints against insurance companies and agents through an online form, by email, mail or fax. The consumer hotline is 800-432-2484 inside Kansas or 785-296-3071.
Kansas Department of Insurance, File an Insurance Complaint (show the source wording)
The source says“The Insurance Commissioner’s Consumer Assistance Division is here to assist Kansas insurance consumers.”
Read it at the source (opens in a new tab) - Lawsuit with attorney fees paid by the insurer. If you sue on a policy covering fire, tornado, lightning or hail damage and win a judgment for more than the insurer offered before the suit, the court adds a reasonable attorney fee to what the insurer owes.
K.S.A. 40-908 (show the source wording)
The source says“the court in rendering such judgment shall allow the plaintiff a reasonable sum as an attorney's fee for services in such action including proceeding upon appeal to be recovered and collected as a part of the costs”
Read it at the source (opens in a new tab) - Attorney fees when an insurer refuses to pay without just cause. On any type of policy, if the evidence shows the insurer refused without just cause or excuse to pay the full loss and you win a judgment for more than it offered, the court adds a reasonable attorney fee.
K.S.A. 40-256 (show the source wording)
The source says“has refused without just cause or excuse to pay the full amount of such loss, the court in rendering such judgment shall allow the plaintiff a reasonable sum as an attorney's fee for services in such action”
Read it at the source (opens in a new tab)
Also worth knowing
- The Attorney General's opinion says residential public adjusting is outside the licensing Act but still cannot cross into practicing law without a license, and that the Kansas Consumer Protection Act applies to it.
Kan. Att'y Gen. Op. No. 2025-22 (Sept. 18, 2025) (show the source wording)
The source says“Public adjusting, whether under the Act or not, cannot cross over into the unauthorized practice of law, and public adjusters are subject to liability under the Kansas Consumer Protection Act”
Read it at the source (opens in a new tab) · statute mirror; the official site could not be opened - The Attorney General found no ban on residential public adjusting anywhere in the Act.
Kan. Att'y Gen. Op. No. 2025-22 (Sept. 18, 2025) (show the source wording)
The source says“Therefore, the Act does not address, and does not prohibit, residential public adjusting.”
Read it at the source (opens in a new tab) · statute mirror; the official site could not be opened - A 2026 bill that would have barred public adjusters from residential claims (HB 2461) had a House Insurance Committee hearing on January 26, 2026 and is listed as Died, so the law was not changed.
Kansas Legislature, 2025-2026 session, HB 2461 (show the source wording)
The source says“Prohibiting public adjusters from negotiating for or effectuating the settlement of any insurance claim relating to residential lines of insurance.”
Read it at the source (opens in a new tab) - Kansas has no rule setting a number of days for the insurer to pay once a claim is approved, according to the Department of Insurance.
Kansas Department of Insurance, Home and Renters (Filing a Home Insurance Claim) (show the source wording)
The source says“There are no provisions requiring a company to pay your claim within a certain amount of time.”
Read it at the source (opens in a new tab) - The insurer has 30 days after you report a claim to finish investigating, unless that cannot reasonably be done.
K.A.R. 40-1-34, adopting NAIC Unfair Claims Settlement Practices Model Regulation (Jan. 1981 ed.) § 7, as compiled by the Kansas Department of Insurance (show the source wording)
The source says“Every insurer shall complete investigation of a claim within thirty days after notification of claim, unless such investigation cannot reasonably be completed within such time.”
Read it at the source (opens in a new tab) - If the investigation runs long, the insurer has to send you a letter explaining why 45 days after its first notice and every 45 days after that.
Kansas Department of Insurance, Home and Renters (Claim Time Frames) (show the source wording)
The source says“it shall every 45 days thereafter send to the insured or claimant a letter setting forth the reasons additional time is needed to conclude the investigation.”
Read it at the source (opens in a new tab) - An insurer cannot push a cash settlement lower than what it would pay for repairs unless you agree, except on a total loss.
K.A.R. 40-1-34(f) (show the source wording)
The source says“An insurer shall not attempt to settle a loss with a first party claimant on the basis of a cash settlement which is less than the amount the insurer would pay if repairs were made, other than in total loss situations”
Read it at the source (opens in a new tab) - If you have no attorney and a legal or policy time limit on your claim is about to run out, the insurer has to warn you in writing 30 days before it expires.
K.A.R. 40-1-34(i) (show the source wording)
The source says“Such notice shall be given to first party claimants thirty days and to third party claimants sixty days before the date on which such time limit may expire.”
Read it at the source (opens in a new tab) - Breaking the claim-handling rules counts as an unfair claim settlement practice only when it is done flagrantly or often enough to be a general business practice.
K.S.A. 40-2404(9) (show the source wording)
The source says“are either committed flagrantly and in conscious disregard of such provisions, or committed with such frequency as to indicate a general business practice”
Read it at the source (opens in a new tab) - The Commissioner may require a public adjuster to post a surety bond or letter of credit, and the adjuster's contract has to say the adjuster is bonded. The statute does not set the bond amount.
K.S.A. 40-5511(a) (show the source wording)
The source says“the commissioner may require the applicant to furnish evidence of financial responsibility, in a format prescribed by the commissioner”
Read it at the source (opens in a new tab) - A licensed public adjuster cannot take a contract or power of attorney that lets the adjuster pick who does the repair work.
K.S.A. 40-5516(i)(5) (show the source wording)
The source says“a public adjuster shall not enter into a contract or accept a power of attorney that vests in the public adjuster the effective authority to choose the persons who shall perform repair work”
Read it at the source (opens in a new tab) - A licensed public adjuster cannot agree to a settlement without your knowledge and consent.
K.S.A. 40-5516(j) (show the source wording)
The source says“A public adjuster may not agree to any loss settlement without the insured's knowledge and consent.”
Read it at the source (opens in a new tab) - A Kansas attorney acting as an attorney does not need a public adjuster license to handle a claim.
K.S.A. 40-5503(c)(1) (show the source wording)
The source says“An attorney-at-law admitted to practice in this state, when acting in such person's professional capacity as an attorney”
Read it at the source (opens in a new tab)
Recent federal disaster declarations in Kansas
- Severe Storms, Straight-Line Winds, Tornadoes, And Flooding · Major disaster declared September 1, 2026 · 32 areas: Atchison, Brown, Cherokee, Crawford, Dickinson, Edwards, Geary, Haskell and more
- Severe Storms, Straight-Line Winds, Tornadoes, And Flooding · Major disaster declared September 1, 2026 · 22 areas: Butler, Cherokee, Cowley, Decatur, Edwards, Gove, Harper, Hodgeman and more
- Severe Storms, Straight-Line Winds, Tornadoes, And Flooding · Major disaster declared June 30, 2026 · 5 areas: Cherokee, Morris, Osage, Saline, Wabaunsee
- Severe Storms, Straight-Line Winds, And Flooding · Major disaster declared December 19, 2025 · 12 areas: Barton, Comanche, Edwards, Hodgeman, Logan, Morris, Ottawa, Rawlins and more
Federal declarations from FEMA as of November 12, 2026. A state fee limit or deadline may depend on a state declaration instead; check the cited rule. All recent declarations.
Kansas by the numbers
From 2016 to 2025 the National Weather Service logged 23,068 storm event reports in Kansas, with property damage estimates totalling $266 million, the 34th highest of the 50 states and D.C. Tornado accounted for the most reported damage.
$266M
reported storm damage, 2016 to 2025
51
major disaster declarations since 2000
$72.5M
home damage verified by FEMA since 2002
Common questions about Kansas
Can I hire a public adjuster in Kansas?
Kansas licenses public adjusters for commercial insurance claims only; for home claims the state neither licenses nor bans them, so anyone offering to adjust a home claim is unlicensed and sits outside the public adjuster law and its protections. The Kansas Public Adjusters Licensing Act defines a public adjuster as someone who works on claims under commercial lines insurance contracts, and requires a license for that work. The Kansas Attorney General concluded in September 2025 that the Act therefore neither regulates nor prohibits public adjusting on residential claims, and the Department of Insurance repeats that on its licensing page. A 2026 bill to ban public adjusters from residential claims (HB 2461) died.
How much can a public adjuster charge in Kansas?
A licensed Kansas public adjuster cannot charge more than 10% of the insurance settlement and cannot take any money before the claim settles. These rules are written for licensed public adjusters, whose license covers commercial claims only; the Attorney General says the Act does not regulate residential public adjusting, so do not assume the cap protects a homeowner.
Can I cancel a public adjuster contract in Kansas?
Yes. Kansas law gives 3 business days to cancel (commercial claims only). The cancellation has to be in writing and mailed or delivered to the public adjuster at the address in the contract within the three business days. Anything of value you gave must be returned within 15 business days after the adjuster gets the notice. These rules are written for licensed (commercial-lines) public adjusters.
How long does an insurance company have to handle a claim in Kansas?
Your insurer has 10 working days after you report a claim to acknowledge it, unless it pays within that time. After it receives your completed proof of loss, the insurer has 15 working days to tell you whether the claim is accepted or denied, or to tell you why it needs more time.
Where do I complain about an insurer or a public adjuster in Kansas?
Complaints go to the Kansas Department of Insurance. Consumer line: 800-432-2484.
Sources
Every rule above was matched to the exact words below on November 10, 2026.
- K.S.A. 40-5502(l)(1)
aids or acts on behalf of an insured in negotiating for, or effecting the settlement of, a claim for loss or damage covered by and limited to commercial lines insurance contracts
- K.S.A. 40-5503(a)
A person shall not act as or represent that such person is a public adjuster in this state unless the person is an individual licensed as a public adjuster in accordance with this act.
- K.S.A. 40-5501
It specifies the duties of and restrictions on public adjusters, which include limiting their licensure to assisting insureds in first party claims.
- Kan. Att'y Gen. Op. No. 2025-22 (Sept. 18, 2025), synopsis (statute mirror; the official site could not be opened)
the Act neither regulates nor prohibits public adjusting for claims arising under residential lines insurance contracts.
- Kansas Department of Insurance, Licensing: Public Adjusters
Licensing for public adjusters in Kansas is limited to public adjusting only for first-party claims arising under commercial lines insurance contracts.
- Kansas Legislature, 2025-2026 session, HB 2461 (status: Died)
Prohibiting public adjusters from negotiating for or effectuating the settlement of any insurance claim relating to residential lines of insurance.
- K.S.A. 40-5513(a)
No public adjuster shall charge, agree to or accept as compensation or reimbursement any payment, commission, fee or other thing of value equal to more than 10% of any insurance settlement or proceeds.
- K.S.A. 40-5513(d)
No public adjuster shall require, demand or accept any fee, retainer, compensation, deposit or other thing of value, prior to settlement of a claim.
- K.S.A. 40-5514(c)
If the insurer, not later than 72 hours after the date on which the loss is reported to the insurer, either pays or commits in writing to pay to the insured the policy limit of the insurance policy, the public adjuster shall:
- K.S.A. 40-5514(e)(1)
allows a public adjuster to collect the entire fee from the first check issued by an insurance company, rather than as percentage of each check issued by an insurance company
- K.S.A. 40-5514(b)
If the compensation is based on a share of the insurance settlement, the exact percentage shall be specified.
- K.S.A. 40-5514(e)(3)
imposes collection costs or late fees
- K.S.A. 40-5514(a)
Public adjusters shall ensure that all contracts for their services are in writing and contain the following:
- K.S.A. 40-5514(a)(11)
full salary, fee, commission, compensation or other considerations the public adjuster is to receive for services to be rendered by the public adjuster for or on behalf of the insured.
- K.S.A. 40-5514(a)(10)
attestation language stating that the public adjuster is fully bonded pursuant to this act
- K.S.A. 40-5514(f)
Prior to the signing of the contract the public adjuster shall provide the insured with a separate disclosure document regarding the claim process
- K.S.A. 40-5514(d)
A public adjuster shall provide the insured a written disclosure concerning any direct or indirect financial interest that the public adjuster has with any other party who is involved in any aspect of the claim
- K.S.A. 40-5514(e)(2)
requires the insured to authorize an insurance company to issue a check only in the name of the public adjuster
- K.S.A. 40-5514(g)
The contracts shall be executed in duplicate to provide an original contract to the public adjuster and an original contract to the insured.
- K.S.A. 40-5514(i)
The insured has the right to rescind the public adjuster contract within three business days after the date the contract was signed.
- K.S.A. 40-5514(j)
anything of value given by the insured under the contract will be returned to the insured within 15 business days following the receipt by the public adjuster of the rescission notice.
- K.S.A. 40-5516(b)
A public adjuster shall not solicit, or attempt to solicit, an insured during the progress of a loss-producing occurrence, as defined in the insured's insurance contract.
- K.S.A. 40-5503(b)
A licensed public adjuster shall not misrepresent to a claimant that the individual is an adjuster representing an insurer in any capacity
- K.A.R. 40-1-34, adopting NAIC Unfair Claims Settlement Practices Model Regulation (Jan. 1981 ed.) § 6(a), as compiled by the Kansas Department of Insurance
Every insurer, upon receiving notification of a claim shall, within ten working days, acknowledge the receipt of such notice unless payment is made within such period of time.
- K.A.R. 40-1-34, adopting NAIC Unfair Claims Settlement Practices Model Regulation (Jan. 1981 ed.) § 8(a), as compiled by the Kansas Department of Insurance
Within fifteen working days after receipt by the insurer of properly executed proofs of loss, the first party claimant shall be advised of the acceptance or denial of the claim by the insurer.
- Kansas Department of Insurance, File an Insurance Complaint
The Insurance Commissioner’s Consumer Assistance Division is here to assist Kansas insurance consumers.
- K.S.A. 40-908
the court in rendering such judgment shall allow the plaintiff a reasonable sum as an attorney's fee for services in such action including proceeding upon appeal to be recovered and collected as a part of the costs
- K.S.A. 40-256
has refused without just cause or excuse to pay the full amount of such loss, the court in rendering such judgment shall allow the plaintiff a reasonable sum as an attorney's fee for services in such action
- Kan. Att'y Gen. Op. No. 2025-22 (Sept. 18, 2025) (statute mirror; the official site could not be opened)
Public adjusting, whether under the Act or not, cannot cross over into the unauthorized practice of law, and public adjusters are subject to liability under the Kansas Consumer Protection Act
- Kansas Legislature, 2025-2026 session, HB 2461
Prohibiting public adjusters from negotiating for or effectuating the settlement of any insurance claim relating to residential lines of insurance.
- Kansas Department of Insurance, Home and Renters (Filing a Home Insurance Claim)
There are no provisions requiring a company to pay your claim within a certain amount of time.
- K.A.R. 40-1-34, adopting NAIC Unfair Claims Settlement Practices Model Regulation (Jan. 1981 ed.) § 7, as compiled by the Kansas Department of Insurance
Every insurer shall complete investigation of a claim within thirty days after notification of claim, unless such investigation cannot reasonably be completed within such time.
- Kansas Department of Insurance, Home and Renters (Claim Time Frames)
it shall every 45 days thereafter send to the insured or claimant a letter setting forth the reasons additional time is needed to conclude the investigation.
- K.A.R. 40-1-34(f)
An insurer shall not attempt to settle a loss with a first party claimant on the basis of a cash settlement which is less than the amount the insurer would pay if repairs were made, other than in total loss situations
- K.A.R. 40-1-34(i)
Such notice shall be given to first party claimants thirty days and to third party claimants sixty days before the date on which such time limit may expire.
- K.S.A. 40-2404(9)
are either committed flagrantly and in conscious disregard of such provisions, or committed with such frequency as to indicate a general business practice
- K.S.A. 40-5511(a)
the commissioner may require the applicant to furnish evidence of financial responsibility, in a format prescribed by the commissioner
- K.S.A. 40-5516(i)(5)
a public adjuster shall not enter into a contract or accept a power of attorney that vests in the public adjuster the effective authority to choose the persons who shall perform repair work
- K.S.A. 40-5516(j)
A public adjuster may not agree to any loss settlement without the insured's knowledge and consent.
- K.S.A. 40-5503(c)(1)
An attorney-at-law admitted to practice in this state, when acting in such person's professional capacity as an attorney
What we looked for and could not confirm
We leave a rule off the page when we cannot match it to a primary source. These are still open:
- Whether the 10% fee cap, the contract rules and the three-business-day cancellation right protect a homeowner who hires someone to adjust a residential claim. The statute defines 'public adjuster' by commercial lines only and the Attorney General says the Act does not regulate residential public adjusting; no court decision on the point was found.
- The legal weight of Attorney General Opinion 2025-22 (whether it binds courts or the Department) was not verified from a primary source. The opinion text was read from the Washburn Law archive, not the Attorney General's own site.
- The NAIC State Based Systems license label ('Public Adjuster - Limited to First Party Claims on only Commercial Line Policies') was not checked directly; the Department of Insurance licensing page says the same thing in its own words.
- The claim-handling day counts come from the Department's 'Unofficial Compilation of K.A.R. 40-1-34' on insurance.ks.gov. The official regulation at rules.ks.gov adopts the NAIC model regulation (January 1981 edition) by reference without printing the day counts, and the 1981 NAIC edition itself was not obtained separately. 'Working days' is not defined in the text read.
- Conflict: the Department's consumer page says an insurer has '10 days to respond to communications and 30 days to determine if the loss is covered', while the regulation as compiled says ten working days to acknowledge, fifteen working days after proof of loss to accept or deny, and thirty days to complete the investigation.
- No statutory deadline for the insurer to pay after agreement was found; this rests on the Department's consumer page statement, not on a search of every Kansas statute.
- Policyholder deadlines (time to give notice, time to sue the insurer) were not researched to a statute that states them plainly for insurance claims, so the list is empty.
- No state-run mediation or appraisal program for property claims was found on the Department's site; not confirmed either way.
- No Kansas administrative regulation specific to public adjusters was found by title in the Department's list of Agency 40 regulations, although K.S.A. 40-5518 directed the Commissioner to adopt rules; the list was scanned by title only.
- The license lookup URL is the NAIC lookup linked as 'Lookup a License' from the Department's home page; the lookup itself was not tested.
- HB 2461's status of 'Died' and its January 26, 2026 hearing were read from the Legislature's bill page; the detailed bill history did not load, and other 2026 bills on public adjusters were not searched beyond confirming that K.S.A. 40-5502 shows no amendment after 2024 on the Revisor's 2026 site.