Kentucky Launches $5 Million Roof Grant Program

Kentucky, far inland from where most hurricanes land but a place all too familiar with high winds and hail, has become the latest state to offer grants for stronger roofs.

Gov. Andy Beshear announced this week that the Strengthen Kentucky Homes program opened March 1 and already has received more than 150 grant applications. The program was authorized in 2024 by state House Bill 256, which appropriated $5 million for homeowner grants.

“This program will help Kentuckians strengthen their homes, providing families peace of mind when the next severe weather hits,” Beshear said in statement. “Even better, it will also help them save money at a time folks need it most.”

The program, like others around the South, provides up to $10,000 in grants for roofs built to the FORTIFIED standard developed by the Insurance Institute for Business and Home Safety. The standard demands a secondary water barrier beneath shingles along with stronger shingles, roof-to-wall connections, and fasteners.

The program is now looking for qualified contractors and evaluators to be exclusive providers for homeowners who receive a grant through the program.

“Qualified contractors and evaluators ensure that homeowners who receive these grants get the quality product they are expecting. These professionals are an important part of the program’s success,” said Kentucky Insurance Commissioner Sharon Clark.

Interested contractors and evaluators can visit SKH.ky.gov to learn how to become a certified provider. Homeowners can visit the site to apply.

The program does not appear to guarantee HO insurance premium credits, but Clark said insurers generally reward fortified homes with discounts.