~76
Fire losses / month (estimated)
Restoration leads · Kentucky
Fire and water damage leads in Kentucky.
IncidentLead tracks 2 counties in Kentucky, reading fire and water losses off live public safety dispatch, matching each one to the property and its owner, and labeling every number. Licensed and ready to switch on live collection as demand lands. Pick a county for its estimated monthly loss volume and live status.
~13
Water losses / month (estimated)
2
Counties covered
Estimated statewide totals across the Kentucky counties we track, built from US Census 2023 population and a baseline of about 7 fire losses per 100,000 residents. Estimates size the market. The real, current counts are inside the product for subscribed counties.
Counties in Kentucky
Pick your county.
See every county we cover · Loss volume tool · Coverage overview
See real losses land in Kentucky.
Request a demo, tell us the counties you work, and we will confirm coverage and timing for your area.
Request Demo
For public adjusters
Public adjuster solicitation rules in Kentucky.
- For two years from 13 April 2026 the Department will not accept applications for, or issue, new public adjuster licenses, though licenses already in force can still be renewed. (KRS 304.9-430(1)(b) and (d), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 2 (emergency, signed 13 Apr 2026))
- For two years from the date that section takes effect, a public adjuster may not negotiate with an insurer on the insured's behalf in adjusting or settling a claim. (KRS 304.9-4331(7), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 5)
- A public adjuster may not use a contractor, another business or any other person to solicit or obtain contract signatures. (KRS 304.9-4331(6)(d), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 5)
- From 15 July 2026 a home repair contractor may not be financially tied to a public adjuster and may not solicit or provide contracts on a public adjuster's behalf. (KRS 367.628, as amended by 2026 Ky. Acts ch. 54 (SB 153), summarized in Kentucky Department of Insurance Bulletin 2026-05)
- A public adjuster may not use claim information gathered during a claim investigation for commercial purposes, which includes the adjuster's own marketing or advertising. (KRS 304.9-4331(6)(e), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 5)
- A public adjuster may not provide services until a contract on an approved form is signed and the rescission period has ended, unless an approved form allows pay for emergency services. (KRS 304.9-433(1), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 4)
- The insured may rescind within 5 business days after receiving the physical copy of the contract, or within 10 days after signing if the contract arose from a state of emergency declared by the Governor or a local government. (KRS 304.9-433(8)(a), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 4)
- Within 72 hours of signing, the public adjuster must give the insurer a notification letter signed by the insured and a physical copy of the contract. (KRS 304.9-433(7), as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 4)
- The fee must be reasonable and may not exceed 10% of the settlement proceeds it is based on. (KRS 304.9-4333(2)(b)2., as amended by 2026 Ky. Acts ch. 141 (HB 568), sec. 7)
- Breaking the new contract, conduct, trust account or fee rules also counts as a violation of Kentucky's Consumer Protection Act. (New section of KRS Chapter 367, 2026 Ky. Acts ch. 141 (HB 568), sec. 9)
Public adjusters are licensed by Kentucky Department of Insurance.
General information, not legal advice. Last checked 2026-10-17 against the official sources linked above. Rules change, so confirm with the regulator before you contact a property owner. See fire and water leads for public adjusters.