KRS 304.13-346: Definitions for section -- Optional rider to be offered to upgrade non -

FORTIFIED single-family dwellings.

(1) As used in this section:

(a) "Cost to upgrade the single -family dwelling" means the cost required to

upgrade the roof structure of the single-family dwelling to meet or exceed the

most recent version of the FORTIFIED Home roof structure construction

standards published by the Insurance Institute for Business and Home Safety

or a successor entity; and

(b) "Non-FORTIFIED dwelling" means a dwelling whose roof structure does not

comply with the most recent version of the FORTIFIED Home roof structure

construction standards published by the Insurance Institute for Business and

Home Safety or a successor entity.

(2) All insurance companies writing property insurance for personal risks that provides

coverage of any single -family dwelling located in Kentucky that is a non -

FORTIFIED dwelling shall offer an optional rider, endorsement, or supplemental

policy provision that provides the insu red a right to receive claim payments for the

cost to upgrade the single-family dwelling for any claim that:

(a) Is covered under the insurance policy or contract; and

(b) Requires replacement of the covered dwelling's roof as defined by the

insurance policy or contract.