UNOFFICIAL COPY 25 RS BR 1064
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AN ACT relating to trade practices. 1
Be it enacted by the General Assembly of the Commonwealth of Kentucky: 2
ď˘SECTION 1. A NEW SECTION OF KRS CHAPTER 365 IS CREATED TO 3
READ AS FOLLOWS: 4
(1) For the purposes of this section: 5
(a) "Prohibited advertisement" means any written or electronic 6
communications by a contractor that encourages, instructs, or induces a 7
residential property owner to contact any insurance company personnel for 8
the purpose of making an insurance claim for roof damage. This includes 9
but is not limited to door hangers, business cards, magnets, flyers, 10
pamphlets, and emails; and 11
(b) "Solicit" means to contact a residential property owner in person or 12
through electronic means, including but not limited to email or telephone. 13
(2) A person shall not: 14
(a) Solicit a residential property owner by means of a prohibited advertisement; 15
(b) Offer a residential property owner a rebate, gift card, cash, coupon, waiver 16
of any insurance deductible, or any other thing of value in exchange for: 17
1. Allowing the person or his or her agent to conduct an inspection of the 18
residential property owner's roof; or 19
2. Making an insurance claim for damage to the residential property 20
owner's roof in a way that purports to interpret an insurance policy; 21
(c) Offer, deliver, receive, or accept any compensation, inducement, or reward 22
for the referral of any work to a business or person that performs repair 23
work services on residential property for which insurance proceeds are 24
payable; or 25
(d) Provide an insured with an agreement authorizing repairs without 26
providing a good-faith estimate of the itemized and detailed cost of services 27 UNOFFICIAL COPY 25 RS BR 1064
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and materials for repairs undertaken pursuant to a property insurance 1
claim. If the actual cost of repairs differs from the initial estimate as a result 2
of an insurer adjusting the claim, it shall not be a violation of this 3
subsection. 4