Get FORTIFIED in Kentucky
Kentucky, with increasing severe storm and fire risk, is committed to ensuring homeowners can reduce risk, increase resilience and reduce insurance premiums through their Strengthen Kentucky Homes Program opening in 2026.
Available Incentive Programs
Strengthen Kentucky Homes Program
Provides grants up to $10,000 for qualified homeowners to upgrade their roofs to standards set by the Insurance Institute for Business & Home Safety (IBHS). This program will help Kentucky homeowners strengthen their roofs to better withstand high wind and hail damage.
FORTIFIED Home Discounts
Requires insurance premium discounts and an optional upgrade endorsement for non-FORTIFIED homes starting for policies issued/renewed on/after Mar 1, 2026.
FORTIFIED Roof Endorsement
Insurers are required to offer an endorsement to a homeowner's policy to upgrade their home to an IBHS FORTIFIED Roof if it is damaged and needs replacing
Weather Risk Profile
Ready to Get Started in Kentucky?
Sign up for a free consultation and we'll help you navigate Kentucky's FORTIFIED programs and connect you with certified professionals.