10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free KY-ADJ questions are organized by exam domain, so you can see how each part of the Kentucky Property and Casualty Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A jury determines that a claimant sustained $120,000 in damages and was 65% at fault. Under Kentucky pure comparative fault, and before applying any insurance limit, how much may the claimant recover?
Correct answer: C - $42,000
An unendorsed HO-3 claim involves water damage after a washing-machine supply hose ruptured suddenly inside the residence. No surface water, groundwater, or overflow from a body of water entered the home. How should the source of water be classified?
Correct answer: D - Analyze it as sudden interior discharge rather than flood
Hail damages vinyl siding on one elevation of a Kentucky home. The same profile remains available, but no available color reasonably matches the adjacent siding. Inspection establishes that replacing the damaged elevation and one connected return will create a reasonably uniform appearance; replacing the other elevations would not improve that affected visual field. Which repair scope best complies with Kentucky's matching rule?
Correct answer: A - The damaged elevation and connected return, with the deductible applied once
A Kentucky personal auto policy has 25/50/25 liability limits. In one at-fault accident, Passenger A sustains $40,000 in bodily injury, Passenger B sustains $20,000 in bodily injury, and the other vehicle has $30,000 in property damage. No other claims are made. Ignoring defense costs, what is the most the policy can pay?
Correct answer: B - $70,000
A private crop-hail policy insures 80 acres at $500 per acre. Inspection establishes that only 60 acres sustained covered hail damage. The producer has an 80% insured share, the payable damage percentage is 30%, and no deductible or franchise applies. What indemnity is owed?
Correct answer: D - $7,200
At a storm-damaged residence, an adjuster hears hissing at the gas meter and smells gas near the foundation while the occupants remain inside. What should the adjuster do first?
Correct answer: C - Clear the area and contact emergency responders or the gas utility
While reviewing a fire claim, an adjuster finds two repair invoices bearing the same invoice number but different totals. The insured offers a plausible explanation but cannot immediately produce the originals. What action is most defensible before reaching a fraud or coverage decision?
Correct answer: D - Preserve the records and independently verify them with the vendors
A 35-year-old Kentucky employee has an average weekly wage of $900 and the applicable state average weekly wage is $1,000. At maximum medical improvement, the employee receives an 8% permanent impairment, which carries a statutory factor of 0.85. The employee retains the physical capacity to return to the preinjury type of work, so no return-to-work multiplier applies. Which permanent partial disability benefit is correct?
Correct answer: C - $40.80 per week for 425 weeks
A Kentucky insurer properly advised a claimant that additional time was needed to complete its investigation. The claim remains unresolved, and 47 calendar days have passed since that written status notice. Which deadline-driven action is now required?
Correct answer: A - Send the required 45-day status notice
On September 1, 2026, a Kentucky resident applies for an initial public-adjuster license. The applicant did not hold a qualifying temporary or apprentice adjuster license on April 13, 2026. What result follows under the temporary Kentucky licensing restriction?
Correct answer: B - The initial application is generally barred while the restriction remains in effect
The KY-ADJ exam also covers these domains. Drill them in the full free practice test:
The full bank has 1,020 more KY-ADJ questions with explanations.
Continue in the free practice test →
View plans