{"data":{"id":"us-ky/krs-304.13-346","jurisdiction":"us-ky","citation":"KRS 304.13-346","heading":"Definitions for section -- Optional rider to be offered to upgrade non -","body":"FORTIFIED single-family dwellings.\n(1) As used in this section:\n(a) \"Cost to upgrade the single -family dwelling\" means the cost required to\nupgrade the roof structure of the single-family dwelling to meet or exceed the\nmost recent version of the FORTIFIED Home roof structure construction\nstandards published by the Insurance Institute for Business and Home Safety\nor a successor entity; and\n(b) \"Non-FORTIFIED dwelling\" means a dwelling whose roof structure does not\ncomply with the most recent version of the FORTIFIED Home roof structure\nconstruction standards published by the Insurance Institute for Business and\nHome Safety or a successor entity.\n(2) All insurance companies writing property insurance for personal risks that provides\ncoverage of any single -family dwelling located in Kentucky that is a non -\nFORTIFIED dwelling shall offer an optional rider, endorsement, or supplemental\npolicy provision that provides the insu red a right to receive claim payments for the\ncost to upgrade the single-family dwelling for any claim that:\n(a) Is covered under the insurance policy or contract; and\n(b) Requires replacement of the covered dwelling's roof as defined by the\ninsurance policy or contract.","path":[],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=57338","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:57:42Z","sha256":"fc7e54dcdf823f014bffaec6a650cec514e803934ed2bee83884c2dcaed4f1ae","source_id":"us-ky","stale":false,"prev":"us-ky/krs-304.13-342","next":"us-ky/krs-304.13-350"},"notice":"GroundRules: Original legal text. Not legal advice."}