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Some Insurers Incorrect on Fortified Roofs Endorsements, Kentucky Commissioner Says

Reported by Insurance Journal (P&C newsroom of record) · Published

What happened

Insurance Journal reports that Kentucky’s insurance commissioner identified problems in some FORTIFIED roof endorsements. Department bulletin 2026-08, dated September 30, asks insurers with the specified noncompliant wording to withdraw and resubmit those forms by November 1, 2026.

Why it matters to restoration

Roof replacement estimates can depend on the actual endorsement and the upgrade requirements applicable to a covered loss.

What to check next

Read the department bulletin and the customer’s policy before discussing upgrade scope or payment. The filing deadline concerns insurers.

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Source check

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Pull history

Seen in 1 pull. First collected Oct 5, 2026, 9:26 PM PDT. Last seen Oct 5, 2026, 9:26 PM PDT.

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