April 2025 Flooding
State of Emergency 2025-210
February 2025 Flooding
State of Emergency 2025-095
The Kentucky Department of Insurance is here to help those impacted by the state-wide weather events starting on February 15, 2025. This page provides information for consumers and insurers and will be updated as new information is available. If you have any questions outside of the information presented on this page, please call the Department of Insurance at Phone: 502-564-3630 or Toll Free: 800-595-6053
Governor Beshear has created a broad list of resources for storm recovery including options for temporary housing and immediate needs.
Disaster Recovery Centers (DRCs) are locations that provide both state and federal resources at one stop to best serve flood victims. Unless otherwise noted, DRCs are open from 7 a.m. to 7 p.m.
Flood Response Executive Actions:
State of Emergency Relating to the Dispensing of Pharmaceuticals
CONSUMERS, stay alert to common insurance and recovery scams
AVOIDING THE“FLY-BY-NIGHTERS" Contractors may be in short supply if there’s a major disaster. Don't let desperation put you in a position to be ripped off. Here are a few tips to help you avoid common scams.
- DO NOT PAY UPFRONT- do not pay out any funds until the work has been completed and meets your standards of satisfaction.
- Avoid repair scams by dealing with reputable licensed and insured local contractors you know or can check out.
- Ask people you trust for recommendations, and get second opinions before signing a contract.
- Do not deal with “fly-by-night” roofers or remodelers who go door-to-door, especially those not known in your community or those who offer greatly reduced prices because they say they just completed work nearby and claim to have materials left over.
- Don’t be afraid to ask for identification, especially if money is changing hands, and proof of general liability and workers’ compensation insurance.
- Don’t spend a lot of money on temporary repairs.
- Remember that payments for temporary repairs are part of the total settlement. If you pay a contractor a large sum for a temporary repair job, you may not have enough money for permanent repairs.
- DO NOT SIGN A CONTRACT ON AN IPAD, ask for the contract in writing so you have time to review it before signing.
- Insist on a written contract that includes a description of the work, total cost, and completion date.
TREE REMOVAL Most insurance policies cover tree removal IF the tree falls on insured property such as your car or home. Trees that fall in an open field are likely not covered by your insurance. Be sure to verify coverage and cost before signing any contract for tree removal.
FEMA ASSISTANCE
To apply for Federal Aid, please visit FEMA’s Website: disasterassistance.gov
REPORTING INSURANCE FRAUD
If you or someone you know has experienced or witnessed any fraudulent insurance activity, please report to the Department here: DEPARTMENT OF INSURANCE (ky.gov)
FILE AN INSURANCE COMPLAINT
To file a consumer complaint with the Department of Insurance, please visit this link: DEPARTMENT OF INSURANCE (ky.gov)
HOW CAN I HELP THOSE IMPACTED?
Donate to the Team Kentucky Storm Relief Fund
Governor Beshear established the Team Kentucky Storm Relief Fund to assist those impacted by the floods and severe weather system beginning February 15, 2025. All donations are tax-deductible and donors will receive a receipt for tax purposes. This fund is fully transparent and subject to open records and legislative oversight.
