KS Public Adjuster Practice Questions - Kansas Public Adjuster Exam

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A Kansas public adjuster is working a commercial property fire claim. The building has a coinsurance clause of 80%. What does this mean?

The insurer pays 80% and the insured pays 20% of every claim The insured must maintain coverage at least 80% of the property's insurable value, or face a proportional reduction in claim payments for partial losses The insured receives an automatic 80% payment The deductible is 80% of the loss

Correct Answer:

The insured must maintain coverage at least 80% of the property's insurable value, or face a proportional reduction in claim payments for partial losses

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