Kentucky roofing leads
Summit Leads supplies roofing leads in Kentucky through real-time ping/post, exclusive by default, with ZIP code filters. FEMA has declared nine Kentucky storm disasters since January 2023, and KRS 367.628 (effective July 15, 2026) bars contractors on insurance-paid work from rebating the deductible or negotiating the claim.
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Kentucky facts for roofing lead buyers
| Fact | Value Source |
|---|---|
| FEMA major disaster declarations for severe storms, tornadoes or hurricanes | 9 declared January 1, 2023 to October 7, 2026, third among the states (DR-4702, 4711, 4782, 4804, 4848, 4860, 4864, 4875, 4937)OpenFEMA Dataset: Disaster Declarations Summaries, v2 FEMA |
| Contractors on insurance-paid work | May not offer to pay or rebate any part of the deductible, grant an allowance against the fee, or give the insured more than $100 in compensation (KRS 367.628, effective July 15, 2026)KRS 367.628, Acts prohibited for contractor (effective July 15, 2026) Kentucky Legislature |
| Hail reports | 262 Storm Events records with event type Hail, 2025 (NOAA NCEI, file dated August 19, 2026)Storm Events Database, 2025 details file (StormEvents_details-ftp_v1.0_d2025_c20260819) NOAA National Centers for Environmental Information |
| Thunderstorm wind reports | 677 Storm Events records with event type Thunderstorm Wind, 2025 (NOAA NCEI, file dated August 19, 2026)Storm Events Database, 2025 details file (StormEvents_details-ftp_v1.0_d2025_c20260819) NOAA National Centers for Environmental Information |
| Owner-occupied housing units | 1,239,908 of 1,814,469 occupied units (ACS 5-year 2020-2024)Table B25003, Tenure: Kentucky (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Housing units built before 1980 | 47.1% (ACS 5-year 2020-2024, table B25034)Table B25034, Year Structure Built: Kentucky (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Median year structure built | 1982 (ACS 5-year 2020-2024)Table B25035, Median Year Structure Built: Kentucky (ACS 5-Year 2020-2024) U.S. Census Bureau |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Nine federal storm declarations and the 2025 storm record
Only Kansas and Missouri had more severe storm declarations than Kentucky from January 1, 2023 to October 7, 2026. FEMA's Disaster Declarations Summaries list nine for Kentucky, most of them naming straight-line winds and landslides along with the storms:
- DR-4702 (April 10, 2023) and DR-4711 (May 9, 2023)
- DR-4782 (May 22, 2024) and DR-4804 (July 23, 2024)
- DR-4848 for the remnants of Hurricane Helene (November 26, 2024)
- DR-4860 (February 24, 2025), DR-4864 (April 24, 2025) and DR-4875 (May 23, 2025)
- DR-4937 (September 1, 2026)
Wind shows up more often than hail in Kentucky's 2025 storm data. The NOAA NCEI Storm Events 2025 file has 677 Kentucky records with event type Thunderstorm Wind and 262 with event type Hail.
Method: NOAA records are counted one per county or forecast zone per storm date in 2025. A FEMA declaration counts once when its incident type is a severe storm, tornado or hurricane, or its title names one; that is why DR-4848, which FEMA files as a tropical storm but titles for the remnants of Hurricane Helene, is included. Severe winter storm declarations are not counted.
Kentucky limits on contractors in insurance claims
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Kentucky sets conduct rules for any contractor whose work is expected to be paid from property or casualty insurance proceeds. KRS 367.628 (effective July 15, 2026), last amended by 2026 Ky. Acts ch. 54, says that on such work a contractor may not:
- offer to pay or rebate any part of the insurance deductible or claim proceeds to win the sale
- grant an allowance or discount against its fee, or pay the insured more than $100 in bonuses, credits, gifts, referral fees or similar items (KRS 367.628(2)(d), 2026)
- cause, or encourage someone to cause, damage to the property to enlarge the job or secure the contract
- be financially connected to a public adjuster or appraiser on the job, or file a mechanic's lien over charges above what the insurer pays
Subsection (1) also bars a contractor from negotiating a claim for the insured, as a public adjuster or otherwise, or marketing itself as a claims or insurance specialist. It still lets a contractor give an estimate and talk with the insurer's representative after the homeowner files. The 2026 amendments apply to contracts entered into on or after July 15, 2026.
Licensing for Kentucky roofers and the cancellation rights for in-home sales and denied claims are on leads in Kentucky.
Kentucky owners and the age of their homes
Of 1,814,469 occupied Kentucky housing units, 1,239,908 were owner-occupied in the Census Bureau's table B25003 (ACS 5-year 2020-2024). Those owners are the only households that can sign for a new roof.
The stock is close to evenly split around 1980. Table B25034 (ACS 5-year 2020-2024) puts 47.1% of units before that year, and table B25035 (2020-2024) gives a median year structure built of 1982.
What Kentucky roofing buyers filter on
Because claim-paid jobs carry their own statute in Kentucky, the claim field usually comes first:
- Insurance claim status: filed, planned or none, which tells the contractor whether KRS 367.628 applies to the job.
- Project type: wind or hail repair, inspection, or replacement.
- ZIP code: buyers can follow the counties in a new declaration or keep a fixed service area.
- Homeowner status: renters are screened out before delivery.
Where buyers filter in Kentucky
Ranked by Kentucky population, these are the six metropolitan areas with Kentucky counties in the Census Bureau's July 1, 2025 estimates. Louisville, Cincinnati and Huntington-Ashland reach into Indiana, Ohio or West Virginia, so their figures cover the whole metro, and a Kentucky-only order is set by ZIP code.
- Louisville/Jefferson County, KY-IN: 1,402,509 (July 1, 2025 estimate, whole metro area)
- Lexington-Fayette: 535,174 (July 1, 2025 estimate)
- Cincinnati, OH-KY-IN: 2,312,858 (July 1, 2025 estimate, whole metro area)
- Bowling Green: 197,180 (July 1, 2025 estimate)
- Elizabethtown: 128,666 (July 1, 2025 estimate)
- Huntington-Ashland, WV-KY-OH: 365,965 (July 1, 2025 estimate, whole metro area)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Kentucky roofing leads
Kentucky roofing leads are delivered with the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record from the homeowner's request. Kentucky calling rules are in its row of the state telemarketing laws table; for MVA and home improvement buying across the state, see leads in Kentucky.
Kentucky roofing lead questions
Can a Kentucky roofer cover the homeowner's deductible on an insurance job?
No. KRS 367.628 (effective July 15, 2026) bars a contractor from offering to pay or rebate any part of the deductible when the work is expected to be paid from insurance proceeds. This is general information, not legal advice.
May a Kentucky contractor negotiate a storm claim with the insurer for the homeowner?
KRS 367.628(1) says a contractor may not represent or negotiate for the insured on the claim, as a public adjuster or otherwise. It may give an estimate and confer with the insurer's representative after the claim is filed.
Which Kentucky storm disasters has FEMA declared since January 2023?
Nine, from DR-4702 (April 10, 2023) to DR-4937 (September 1, 2026), in FEMA's Disaster Declarations Summaries as of October 7, 2026. One of them, DR-4848, covers the remnants of Hurricane Helene.
Can roofing leads in Louisville be limited to the Kentucky side of the river?
Yes. Roofing leads in Louisville are ordered by ZIP code, so a buyer can take Jefferson County and nearby Kentucky ZIP codes and leave out Indiana. Leads are exclusive by default, with shared delivery on request.
Request Kentucky roofing leads
Email us the Kentucky ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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- No long-term contract. Pause or stop at any time.
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- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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