Which of the following is considered unprofessional conduct for an adjuster in Kentucky?

Failing to disclose conflicts of interest is considered unprofessional conduct for an adjuster in Kentucky because transparency and integrity are fundamental principles in the insurance industry. Adjusters must act in the best interests of their clients and maintain trust in their professional relationships. By not disclosing any conflicts of interest, an adjuster can compromise the objectivity of the claims process, potentially leading to unfair practices or biased outcomes. This lack of disclosure undermines the legal and ethical obligations an adjuster has towards ensuring all parties are treated fairly and equitably during the claims process.

In contrast, while charging excessive fees, not maintaining accurate records, and representing both parties in a claim can all lead to unethical situations, the outright failure to disclose potential conflicts affects the foundational trust and accountability that protect the integrity of the claims handling process. Therefore, the emphasis in this context is on the importance of full disclosure in maintaining professional conduct as an adjuster.