Protect the Right to Representation in Kentucky

Your Home. Your Coverage. Your Choice.

After a storm, fire, or catastrophic loss, Kentucky policyholders deserve fair representation. Two bills in the legislative session could prevent that. 

Right now, HB 568 and SB 153 threaten to restrict access to licensed Public Adjusters, the only insurance professionals legally obligated to represent policyholders.

These bills are being presented as “consumer protection.” They are not.

They limit access to professional claim representation at the very moment homeowners need it most.

What HB 568 Outlines

HB 568 would fundamentally change the public adjusting profession in Kentucky by:

• Restricting the ability to issue new Public Adjuster licenses
• Limiting apprenticeship pathways for future professionals
• Imposing additional contract restrictions
• Narrowing the scope of negotiation authority
• Reducing consumer access to regulated, licensed claim advocacy 

Over time, this shrinks the profession and reduces homeowner options. When access is restricted, competition disappears and so does consumer leverage.

What SB 153 Outlines

While framed as anti-fraud legislation targeting contractors, SB 153 expands regulatory oversight and enforcement mechanisms in ways that can further complicate and constrain post-loss representation and recovery efforts.

Disaster recovery already requires coordination between homeowners, contractors, adjusters, engineers, and insurers.

More restrictions, especially broad ones, often reduce efficiency and increase confusion for families trying to rebuild.

Why This Matters to Kentucky Homeowners

Insurance carriers already have teams protecting their interests:

• Staff adjusters
• Independent adjusters
• Engineers
• Building consultants
• Legal teams
  

Homeowners typically have one option for professional representation that does not require hiring an attorney at 30–40% contingency fees:

Licensed Public Adjusters.

Public Adjusters provide a regulated, middle-ground solution that helps resolve disputes without forcing families into litigation.

If these bills pass, many homeowners will face two options:

1. Accept the settlement offered
2. Hire an attorney and escalate the dispute and pay more of out of pocket to obtain a fair claim payment

That is not expanded consumer protection. That is reduced access to advocacy.

This Is Bigger Than Kentucky

Insurance legislation often spreads from state to state.

If public adjuster representation can be limited here, it sets a precedent that may impact policyholders nationwide.

Kentucky is a test case.

We Need Your Help

Insurance carriers have well-funded lobbying teams.

Policyholders and the professionals who represent them do not — unless we build it together.

We are raising funds to:

• Engage experienced legislative lobbyists
• Educate lawmakers on the real-world impact of HB 568 and SB 153
• Provide data on consumer outcomes when policyholders have representation
• Protect access to licensed, regulated claim advocacy
• Ensure homeowner voices are heard in Frankfort
  

Every dollar goes toward protecting the right to representation.

Donate Today to Protect Kentucky Policyholders

This isn’t about protecting a profession — it’s about protecting choice. When disaster strikes, Kentucky families deserve the right to decide who represents them. Help us preserve balance in the claims process and ensure homeowners are not left standing alone against powerful insurance interests. Make your contribution today and stand for fair access to representation.