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HB 527KENTUCKYSession 2026RSState BillSigned into law
Enacted

Kentucky enacts insurance regulatory updates and creates the Strengthen Kentucky Homes Program with $15,000 grant cap

Original title: AN ACT relating to insurance regulatory requirements and declaring an emergency.

Last action · April 7, 2026: signed by Governor (Acts Ch. 45)Sponsors: M. Pollock and 1 other

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
Law

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What This Bill Does

Kentucky law revises insurance regulatory and licensing requirements across multiple chapters, creates the Strengthen Kentucky Homes Program to provide financial grants for wind and hail mitigation, and declares an emergency for immediate implementation of contractor provisions.

Why it matters

Property owners can receive grants to upgrade roofs against wind and hail, and insurers offering single-family property coverage must offer optional optional riders for FORTIFIED roof upgrades.

Background
  • The Kentucky General Assembly operates as the state legislature responsible for enacting statutory laws governing insurance and financial regulation. context

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

real property owners

Real property owners may apply for financial grants under the Strengthen Kentucky Homes Program to mitigate dwellings against wind and hail.

Directly affected

SKH approved contractors

SKH approved contractors are eligible for one-time financial grants to reimburse the cost of initial certification as a CERTIFIED Roofing contractor.

Directly affected

property insurance companies

Property insurance companies writing personal risks must offer an optional rider, endorsement, or supplemental policy provision for roof upgrade claim payments on non-FORTIFIED dwellings.

Directly affected

Department of Insurance

The Department of Insurance and its commissioner are tasked with implementing, administering, and promulgating administrative regulations for the Strengthen Kentucky Homes Program.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

What is the purpose of the Strengthen Kentucky Homes Program?
The program is created to provide financial grants to real property owners, approved contractors, and nonprofit organizations to assist and promote the mitigation of s against catastrophic wind and hail events.
Are property insurance companies required to offer roof upgrade coverage?
Yes, all insurance companies writing property insurance for personal risks on single-family non-FORTIFIED dwellings must offer an optional rider, endorsement, or supplemental policy provision providing the right to receive claim payments for roof upgrade costs.
What is the maximum aggregate financial grant for dwelling mitigation?
The commissioner shall not make financial grants under subsection (7) that exceed, in aggregate, fifteen thousand dollars ($15,000), though program grants generally are administered based on available funding in the fund.

What else do you want to know?

News Coverage

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Where This Stands

Current status: Signed into law.

Procedural history

14 actions
  1. Apr 7, 2026HouseEnrolled
    signed by Governor (Acts Ch. 45)
  2. Mar 26, 2026HouseEnrolled
    received in House enrolled, signed by Speaker of the House enrolled, signed by President of the Senate delivered to Governor
  3. Mar 25, 2026HouseFloor
    3rd reading, passed 38-0
  4. Mar 24, 2026House
    passed over and retained in the Consent Orders of the Day
  5. Mar 20, 2026House
    posted for passage in the Consent Orders of the Day for Tuesday, March 24 2026
  6. Mar 18, 2026HouseFloor
    2nd reading, to Rules as a consent bill
Show 8 earlier actions
  1. Mar 17, 2026House
    reported favorably, 1st reading, to Consent Calendar
  2. Mar 13, 2026SenateCommittee
    to Banking & Insurance (S)
  3. Feb 23, 2026SenateIntroduced
    received in Senate to Committee on Committees (S)
  4. Feb 20, 2026HouseFloor
    3rd reading, passed 92-0 with Committee Substitute (1) and Committee Amendment (1-title)
  5. Feb 19, 2026HouseFloor
    2nd reading, to Rules posted for passage in the Regular Orders of the Day for Friday, February 20 2026
  6. Feb 18, 2026House
    reported favorably, 1st reading, to Calendar with Committee Substitute (1) and Committee Amendment (1-title)
  7. Feb 5, 2026HouseCommittee
    to Banking & Insurance (H)
  8. Jan 29, 2026HouseIntroduced
    introduced in House to Committee on Committees (H)

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Sponsors

M. PollockHousePrimary sponsorNo profile match
George BrownHouse · District 77DemocraticCosponsor

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift95% confidence

Creation of State-Backed Wind and Hail Mitigation Program

The enactment establishes the Strengthen Kentucky Homes Program backed by a dedicated Treasury fund to promoteFORTIFIED construction standards against wind and hail.

Department of InsuranceInsurance Institute for Business and Home Safety

Connected Entities

Agency for Health Care Research and Quality, National Institutes of Health, Federal Deposit Insurance Corporation and 9 more
OrganizationAgency for Health Care Research and Quality“Recognized agency for research findings”Map →
OrganizationNational Institutes of Health“Recognized agency for research findings”Map →
OrganizationFederal Deposit Insurance Corporation“Federal agency that insures bank deposits”Map →
OrganizationNational Association of Insurance Commissioners“Maintains database for insurance producer licenses”Map →
OrganizationNational Cancer Institute“Recognized agency for research findings”Map →
OrganizationGeneral Assembly“Kentucky General Assembly enacting the legislation”Map →
OrganizationCenters for Medicare & Medicaid Services“Agency of the United States Department of Health and Human Services”Map →
OrganizationNational Academy of Sciences“Recognized agency for research findings”Map →
OrganizationInsurance Institute for Business and Home Safety“Publisher of FORTIFIED construction standards”Map →
OrganizationUnited States Food and Drug Administration“Recognized agency for research findings”Map →
OrganizationDepartment of Insurance“State department administering insurance regulations and the Strengthen Kentucky”Map →
OrganizationFederal Reserve“Reports the five-year Constant Maturity Treasury Rate”Map →

Sources

Open source document

apps.legislature.ky.gov

Analysis Score

0–100
  • Significance80
    How much this matters to a regular citizen
  • Controversy25
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz30
    Current news / social attention level

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