Kentucky Information
A public adjuster is a licensed claims professional hired by the insured, not the insurance company. For commercial property owners in Kentucky, a public adjuster can help inventory damages, interpret policy language, evaluate business-interruption losses, and negotiate a settlement that fully reflects the scope of your property and operational impacts.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Kentucky-Specific Rules & Consumer Protections
1. Licensing Requirement
- Kentucky requires all public adjusters to be licensed under Kentucky Revised Statutes (KRS) Chapter 304.
→ Public adjuster licensing information is provided by the Kentucky Department of Insurance. (insurance.ky.gov)
2. Application & Qualification Standards
- To be licensed, applicants must meet statutory requirements regarding age, residency or nonresident qualifications, and must complete the state’s required application process through the Kentucky DOI.
→ Requirements available through the Kentucky Department of Insurance. (insurance.ky.gov)
3. Written Contract Requirements
- Kentucky law requires public adjusters to use written contracts that include fee terms, scope of work, disclosures, and cancellation rights.
→ Contract requirements fall under KRS public adjuster statutes. (legislature.ky.gov)
4. Standards of Conduct
- Public adjusters must act in the insured’s best interest, avoid conflicts related to repair work, and provide transparent disclosure of their role and compensation.
→ Kentucky administrative regulation 806 KAR 9 outlines conduct requirements. (apps.legislature.ky.gov)
5. Recordkeeping Requirements
- Public adjusters in Kentucky must maintain detailed records of all transactions, contracts, and claim documentation for a minimum period defined by statute.
→ Recordkeeping provisions appear within Kentucky’s public adjuster regulations. (apps.legislature.ky.gov)
6. License Verification
- Commercial property owners can verify the status of a public adjuster’s license through the Kentucky Insurance Licensing Search.
→ Kentucky DOI License Lookup. (insurance.ky.gov)
When to Consider Hiring a Public Adjuster
You may wish to consider hiring a public adjuster if:
- Your commercial building has suffered significant damage from fire, storm, wind, water, or vandalism.
- Your claim includes business interruption, loss of rental income, or complex operational impacts.
- The insurer’s estimate or scope of repairs appears incomplete or undervalued.
- Your property includes multiple tenants, specialized equipment, inventory, or complex commercial functions that require technical analysis.
Resources for Kentucky Commercial Property Owners
1. Kentucky Department of Insurance (DOI)
- Regulates all public adjuster licensing, contracts, and professional standards.
2. Kentucky Public Adjuster Statutes (KRS Chapter 304)
- Defines adjuster authority, contract requirements, and duties.
3. Kentucky Administrative Regulations (806 KAR)
- Establish professional standards and recordkeeping obligations for licensed public adjusters.
Quick Checklist for Kentucky Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Photograph and document all structural, equipment, and business-interruption losses. |
| 2 | Avoid permanent repairs before insurer inspection; document all temporary measures. |
| 3 | Maintain a record of communications with insurers and all adjusting parties. |
| 4 | Verify adjuster licensing through the Kentucky DOI license lookup tool. |
| 5 | Review the written contract for required disclosures, fee terms, and cancellation provisions. |
| 6 | Choose an adjuster with demonstrated commercial property and business interruption experience. |
| 7 | Request detailed estimates, documentation, and timelines that support your valuation. |
Why Partner with Continental Adjusters?
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- Confirming adjuster licensing and compliance with Kentucky statutes.
- Pairing business owners with adjusters experienced in commercial structures, business income losses, and complex inventories.
- Helping you interpret contracts, valuation methods, and policy language.
- Ensuring your claim preparation is methodical, complete, and defensible.
If your property has been damaged and your claim is complex, large, or contested by your insurance company, partnering with a public adjusters can help level the playing field. In Kentucky, you have a legal right to fair claim handling; Continental Adjusters LLC employs reputable, licensed professionals dedicated to providing support through navigation of deadlines, thorough documentation of assets and damages, and ensuring your loss is valued fairly.
Need Help Finding a Public Adjuster in Kentucky?
Contact Continental Adjusters LLC today — our professionals are skilled in handling complex commercial property claims and maximizing your recovery.
