State research / decision file
Convert an earthquake deductible into cash
Kentucky DOI’s December 2025 earthquake consumer guide provides a separate starting point for earthquake protection. For an investment building, identify the proposed form and its deductible basis before doing arithmetic. Keep the earthquake limit, contents treatment and any income provision separate from the main policy rather than applying a homeowners example to every rental or commercial risk.
Take these questions to the licensed partner
- What contractual amount is used to calculate the earthquake deductible?
- Which building, contents and income items are included, excluded or subject to separate limits?
Official source: Kentucky DOI — Consumer Guide to Earthquake Insurance →
Editorial source review: October 24, 2026. The note identifies questions to verify with the actual policy and responsible authority; it is not a licensed policy or legal review.
Build the local part of the file
These five existing location references add official resources, local scope notes and selected FEMA community records. They are a starting set, not a statewide directory or an address-level hazard assessment.
Louisville / Jefferson County, Kentucky →
Louisville MSD’s maps distinguish FEMA floodplain, local regulatory floodplain and combined-sewer flood-prone layers. Ask which layers affect the parcel; one map category should not be substituted for another or for an insurance coverage decision.
Lexington-Fayette, Kentucky →
Lexington’s floodplain and flood-management resource concerns the Lexington-Fayette community. Retain that jurisdiction name and the exact site when asking about development and drainage, rather than searching only for a generic Lexington record.
Covington, Kentucky →
Kenton County Planning and Development Services provides a building-permit resource for the area. Verify the agency’s role for the actual Covington parcel and distinguish building review from any separate city or floodplain approval.
Bowling Green, Kentucky →
Bowling Green’s Building Division provides the Kentucky municipal review route. Ask for the approved use and inspection closeout when a property’s layout or occupancy has changed from its original construction.
Owensboro, Kentucky →
Daviess County’s flooding resource provides area context for Owensboro. Confirm the city-versus-county reviewer for the parcel before applying county information to work inside a municipal boundary.
Start with the official regulator
Kentucky insurance regulator resource →
Use official sources for license checks, consumer information and current complaint procedures. A state resource page does not establish that an insurer accepts your property or that the referral partner serves every location. Confirm those details before relying on an offer.
Describe the property rather than a state average
Record the exact address and jurisdiction, units, construction, roof and systems, ownership entity, actual occupancy and intended work. Tell the partner about guest stays, vacancy, renovations and any other use change.
Ask for property-specific rebuilding/valuation information and actual premium proposals. This page does not publish an undated state premium average, market return or a presumed legal coverage requirement.
Questions to take into a quote review
- Which forms, entities and property uses are accepted?
- What causes of damage are included or excluded, and are flood or other hazards separate?
- What deductibles apply, on which contractual dollar basis?
- How are the building, roof, owner contents and liability handled?
- What covered event triggers any rental-value protection?
- What conditions govern vacancy, construction, extensions and effective dates?
Keep an address evidence record
Record the exact jurisdiction within Kentucky, source URL, observation date, geographic unit, finding and unresolved question. A state resource, a city statistic and a parcel inspection describe different things. Keep the lender condition and insurer response in separate fields.
| Decision | Evidence to obtain | Who confirms it |
|---|---|---|
| Coverage and licensing | Actual proposal; official regulator directory | Licensed partner / regulator |
| Floodplain and permits | Current official records and address-specific questions | Local floodplain or building authority |
| Rebuilding and condition | Estimate, inspection and specialist findings | Appropriate qualified professional |
| Rent and cash assumptions | Comparable leases, concessions, expenses and financing | Owner with documented sources |
NAIC official jurisdiction directory → · Evidence methodology · Download the blank evidence CSV
Keep law, lender conditions and policy terms separate
A lender condition, a state rule and an insurer’s underwriting requirement are not interchangeable. Ask which source creates a requirement and retain its current wording. This resource does not give a universal renovation mandate, security-deposit rule or notice period.
For flood questions, use the flood guide and the lender’s actual requirements. For a coverage review, use the comparison worksheet.