Kentucky Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Kentucky (KY).

Quick Reference

Key Deadlines

Acknowledgment
15 days
Accept/Deny
REASONABLE (must notify within 30 calendar days if more time needed)
Investigation
REASONABLE
Payment
30 calendar days
Status Updates
30 calendar days (initial); 45 calendar days (subsequent)

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (yes)

Regulatory Authority

Kentucky Department of Insurance (DOI)

Division of Consumer Protection, P.O. Box 517, Frankfort, KY 40602-0517; Toll-Free (KY only): 800-595-6053; Local: 502-564-6034; Website: https://insurance.ky.gov/

Bad Faith: KRS § 304.12-230

Key Statutes

  • Kentucky Unfair Claims Settlement Practices Act (KRS § 304.12-230 et seq.)
  • Unfair claims settlement practices for property and casualty insurance (806 KAR 12:095)
Last reviewed: April 1, 2026

Kentucky handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

Specific fraud warning and DOI contact info required.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.