KY Claims Adjuster case studies

KY Claims Adjuster · Put your knowledge to work in context.

The Kentucky Claims Adjuster credential is a state license that authorizes a person to investigate, evaluate, and negotiate claims on behalf of insurers, self-insureds, or adjusting firms operating in Kentucky. It is intended for people entering the claims profession - career changers, former military, customer-service and body-shop staff - as well as for producers or agency personnel who want to handle claims directly. The KY Claims Adjuster case studies are 5 cases and about 3,520 words.

Hail-Damaged Roof: Two Deductibles, Excluded Wear, and a Matching Demand

A Kentucky HO-3 policy on a 1978 ranch shows Coverage A of 350,000, a 1,000 all-peril deductible, and a separate 5,000 wind/hail deductible. A June storm with 60-mph gusts and quarter-size hail damages the 25-year-old three-tab roof, bends two sections of aluminum gutter, and punctures three window screens.

688 words, about 3 min 2

Left-Turn Collision: PIP, Comparative Fault, and a $250,000 Demand

Your insured, driving a pickup under a Kentucky auto policy with 100/300/50 liability limits and the mandatory 10,000 basic reparations (PIP) benefits, turned left across oncoming traffic on a rainy evening and was struck by a sedan traveling 15 mph over the posted limit. The sedan driver, age 41, suffered a herniated disc requiring surgery.

735 words, about 4 min 3

Catastrophe Backlog, an Unlicensed Adjuster, and a Steering Offer

You are a staff adjuster for an insurer writing homeowners coverage in Kentucky. After an April hail storm you have 60 open claims and a growing backlog.

682 words, about 3 min 4

Suspicious Fire: Arson Defense, EUO Refusal, and a Mortgagee Demand

A homeowners policy with 250,000 dwelling and 125,000 personal property limits, a 1,000 deductible, and a standard concealment-or-fraud condition insured a home that burned at 2:10 a.m. The insured had raised his personal property limit from 50,000 to 125,000 nineteen days earlier.

725 words, about 4 min 5

Time-Limited Policy-Limits Demand with a Partial Release

Your insured, a Kentucky delivery company, is sued after its driver rear-ended a sedan on I-65 while the driver was texting. The commercial auto policy carries a 1,000,000 combined single limit.

690 words, about 3 min