Kentucky roof insurance claim deadlines
Kentucky sets its insurer clocks through 806 KAR 12:095, the Kentucky Department of Insurance claims settlement rule. Insurers in Kentucky get 15 working days to acknowledge; Kentucky allows 30 calendar days to decide (806 KAR 12:095 §5(1)). 3 Kentucky limits follow.
Every Kentucky clock, with its source
| Who | Step | Deadline | Rule |
|---|---|---|---|
| Insurer | Send you word that your claim arrived Kentucky counts only Monday to Friday, holidays excluded. Paying the claim inside the period also satisfies the rule, and replies to your other letters get 15 working days too (§5(3)). |
15 working days | 806 KAR 12:095 §5(1) |
| Insurer | Accept or deny the claim, or tell you why it needs more time Measured from receipt of the proofs of loss. An investigation still open after that means a letter to you every 45 calendar days (§6(1)(d)). |
30 calendar days | 806 KAR 12:095 §6(1)(c) |
| Insurer | Offer payment of any amount due Measured from the proof of loss. With several coverages in play, undisputed amounts are due inside the same 30 calendar days. |
30 calendar days | 806 KAR 12:095 §6(1)(a) |
Checked 2026-10-06 against 2 linked Kentucky sources.
Not legal advice. Only the insurer is bound by these days. How long you have to report a loss or sue under a Kentucky policy is set elsewhere, and we have not confirmed a statewide figure. Complaints in Kentucky start with the Kentucky Department of Insurance.
Kentucky: the first week
- Photos of the Kentucky damage, dated; checklist here.
- Send the Kentucky claim in writing and keep the date. 806 KAR 12:095 §5(1) counts 15 working days from receipt.
- Mark your calendar: 30 calendar days to a Kentucky decision, measured from the last paper the Kentucky adjuster requested. Write down when each page reached Kentucky's carrier.
- A second opinion on price: Kentucky roofers.
Nearby states
Missouri, Arkansas, Iowa, Nebraska or all states.