AN ACT relating to insurance coverage of roofing materials.

Create a new section of Subtitle 12 of KRS Chapter 304 to require insurers to replace the roofing materials on the entire roof when uniformity of appearance cannot be achieved due to the age, condition, or discontinued manufacture of the existing roofing materials; prohibit the application of line of sight rules to exclude coverage for the replacement of roofing materials for any portion of the roof; provide that the Act applies to insurance policies, certificates, and contracts issued or renewed on or after the effective date of the Act.

Introduced: February 11, 2025

Last action: February 13, 2025

To Banking & Insurance (S)

Read the full text Kentucky Legislature LegiScan

AI-generated — always verify with primary sources

Plain-language summary

Beta

This bill would require insurance companies to replace an entire roof when replacement materials cannot be made to match the existing roof due to age, wear, or discontinued products. It also bans insurers from using "line of sight" rules, which allow them to limit coverage only to the portion of a roof visible from the street or a set vantage point. The bill would apply to insurance policies issued or renewed after it takes effect. Who it may affect: Kentucky homeowners and property owners who file roofing claims through their property insurance.

Open official bill text (PDF)·Report a problem with the summary