How to Become an Insurance Adjuster in Kansas

Kansas does not require a state-issued license for independent adjusters. Adjusters working on behalf of insurance companies can investigate and settle claims in Kansas without obtaining a Kansas-specific adjuster license.

However, Kansas does issue a Public Adjuster License for adjusters who represent policyholders. Public adjusters must be bonded and meet ongoing continuing education requirements.

For independent adjusters, most employers and independent adjusting firms require a license from a Designated Home State (DHS) — typically Texas or Florida — even though Kansas itself does not require one.

Since Kansas does not license independent adjusters, there are no state-mandated pre-licensing education requirements. If you pursue a DHS license from another state (such as the Texas 40-hour pre-licensing course or the Florida state exam), you will need to meet that state's education requirements.

No exam is required for independent adjusters in Kansas. Public adjusters must meet the Kansas Insurance Department's requirements, which include passing a licensing examination.

1. Determine if you will work as an independent adjuster (representing insurers) or a public adjuster (representing policyholders)
2. For independent adjusters: Choose a Designated Home State for your license (Texas and Florida are the most common choices)
3. Complete your chosen DHS state's licensing requirements (pre-licensing course, exam, application)
4. Use your DHS license credential when applying to independent adjusting firms and deploying to Kansas claims
5. For public adjusters: Apply directly through the Kansas Insurance Department, meet bonding requirements, and pass the state exam

Kansas has no CE requirements for independent adjusters since the state does not issue the license. Public adjusters in Kansas must complete 18 hours of continuing education every 2 years as required by the Kansas Insurance Department.

Your CE obligations as an independent adjuster are determined by your DHS state. If you hold a Texas DHS license, you must complete 24 CE hours every 2 years.

Since Kansas does not license independent adjusters, reciprocity is managed through your DHS state. A Texas or Florida home state license provides access to non-resident licensing in most other states that require adjuster licenses. Kansas will accept adjusters working under licenses from any state.

Kansas public adjusters are required to maintain a surety bond as a condition of licensure. The bond amount is determined by the Kansas Insurance Department. Independent adjusters are not subject to bond requirements in Kansas.

• Kansas Insurance Department
• Kansas Insurance Licensing Information
• NIPR — National Insurance Producer Registry

Kansas sits in the heart of Tornado Alley and is one of the most active states in the country for severe weather claims. Tornadoes, large hail, and damaging straight-line winds are common from spring through summer, and Kansas consistently ranks among the top states for hailstorm frequency and severity. The state's agricultural sector also generates significant crop insurance claims. Despite not requiring an independent adjuster license, Kansas is a major deployment destination for catastrophe adjusters during storm season.