Kentucky Commissioner enforces state law on fortified roof insurance endorsements

Sharon Clark, the Kentucky insurance commissioner, is requiring property insurers to resubmit homeowner policy endorsements. These endorsements must comply with state law regarding coverage for Fortified roofs, which was established by House Bill 256 in 2024. Clark noted that some insurers filed endorsements containing language that violates the law, such as adding exclusions that go beyond what the law permits.

The law requires carriers to offer optional endorsements covering the cost to upgrade single-family homes to the Fortified standard. The enforcement action addresses insurers who attempted to add exclusions that contradict the state's requirement to cover mitigation costs for these upgrades.