Recap of HB 568 and SB 153 in Kentucky And What Comes Next

The 2026 Kentucky legislative session brought significant changes to the property insurance landscape, and it happened quickly.

SB 153 was introduced early in the session and moved rapidly through the Senate, passing with a unanimous 38–0 vote. It then advanced through the House and was delivered to the Governor on March 27, 2026, marking the completion of its legislative journey.

HB 568 followed a similar path, gaining strong momentum in the House where it passed by a decisive 95–1 vote. The bill then moved to the Senate, where it continued advancing with committee approval and substitute language added in the final stages.

Despite outreach from industry professionals and growing concern among stakeholders, both bills progressed with overwhelming legislative support and limited opposition at the voting level.

What These Bills Mean

While both bills were presented as “consumer protection,” their structure and impact tell a more complex story.

HB 568 introduces changes that directly affect the public adjusting profession. This included restrictions that may limit the future availability of licensed Public Adjusters and narrow the scope of their role in the claims process.

SB 153 expands regulatory oversight and enforcement mechanisms that may increase complexity during post-loss recovery and introduce additional compliance burdens across the claims ecosystem.

Together, these changes have the potential to:

• Reduce access to regulated claim representation
• Limit homeowner choice during the claims process
• Increase friction in post-loss recovery
• Shift negotiating leverage further toward insurance carriers

Insurance companies already operate with teams of adjusters, engineers, consultants, and legal counsel. These changes alter how policyholders are able to respond.

Why This Matters

For most Kentucky homeowners, filing an insurance claim is not routine. It’s a moment of financial vulnerability.

Access to experienced, licensed guidance can make a meaningful difference in how claims are understood, documented, and resolved. 

These concerns are not theoretical; they’re practical. Fewer options mean more complexity for policyholders and less balance in the claims process.

And because insurance legislation often spreads across state lines, what happens in Kentucky may influence future legislation elsewhere.

What Happens Next

With the legislative process largely complete, the focus now shifts to the next phase:

Legal review and potential challenge, specifically related to the restrictions imposed by HB 568.

The primary concern centers on restrictions to licensing and the long-term impact those provisions may have on access to representation.

Next steps include:

• Evaluating the legal validity of licensing restrictions
• Assessing potential conflicts with existing regulatory frameworks
• Preparing for targeted legal challenges where appropriate
• Coordinating with legal counsel and industry stakeholders

This phase is time-sensitive and will play a critical role in shaping how these changes are ultimately implemented and enforced.

Why We Are Launching a Legal Fund

To support this effort, we are launching a $50,000 legal fund focused on HB 568.

These funds will be used to:

• Engage experienced legal counsel
• Conduct detailed statutory and constitutional analysis
• Prepare and pursue legal challenges related to licensing restrictions
• Support coordinated efforts to protect access to representation

This is a targeted effort,  focused on addressing the provisions of HB 568 that have the most significant long-term impact.

We Need Your Support

The legislative phase has ended, but the outcome is not final.

What happens next will depend on the willingness of those impacted to step forward and support the work ahead.

If you believe in:

• Maintaining access to licensed representation
• Preserving balance in the claims process
• Protecting long-term policyholder choice

We ask you to support the legal effort. Every contribution moves this effort forward.

Help us reach the $50,000 goal and take the next step in addressing HB 568.