Kentucky Insured Residential Roofing Contract

Kentucky Insured Residential Roofing Contract

Before signing: Use for a contract entered on or after July 15, 2026. Complete the transaction date, contractor's physical address, email, and facsimile number in both attached cancellation notices. Give both notices and the two bold statutory warnings to the customer before entering this contract. Print all statutory notices in boldface type at least 10 points; give two fully completed detachable cancellation copies.

1. Parties and property

Contract date: [__/__/____]

Insured owner / customer: [FULL LEGAL NAME]

Property address: [STREET ADDRESS, CITY, KENTUCKY ZIP]

Customer mailing address, if different: [ADDRESS]

Contractor legal name: [FULL LEGAL NAME]

Contractor physical business address for cancellation: [STREET ADDRESS, CITY, STATE ZIP]

Contractor mailing address for written communications: [ADDRESS]

Telephone: [NUMBER] Email, if applicable: [ADDRESS / NONE] Facsimile, if applicable: [NUMBER / NONE]

Insurance claim number and insurer, if known: [DETAILS]

2. Work and timing

Existing roof and claimed damage: [DESCRIBE]

Work, materials, quantities, manufacturers, and specifications: [DESCRIBE OR ATTACH DATED SCOPE]

Excluded work: [DESCRIBE OR NONE]

Permits, inspections, and party responsible: [DETAILS]

Estimated start date: [__/__/____]. Estimated substantial-completion date: [__/__/____].

Site access, protection, disposal, and cleanup: [DETAILS]

Workmanship warranty and manufacturer warranties: [TERMS, CONTACT, AND EXCLUSIONS]

3. Price and changes

Total contract price: $[AMOUNT]. Itemized price schedule attached: ☐ Yes ☐ No.

Insurance proceeds expected to pay toward price: $[ESTIMATE / UNKNOWN]. The insurer's coverage decision does not by itself change the agreed scope or price.

Customer deductible and other customer-paid amount: [AMOUNTS AND BASIS]. The contractor will not offer to pay or rebate a deductible or claim proceeds as an inducement to this work, or grant an allowance or discount against the contractor's fee.

Payment schedule, subject to Section 5: [MILESTONES, AMOUNTS, AND DUE CONDITIONS]

Changes to scope, price, or schedule require a written change order signed by both parties before the changed work begins.

4. Statutory notices supplied before contract

You may cancel this contract at any time before midnight on the fifth business day after you have received written notification from the insurer that all or any part of the contracted goods, services, or goods and services is not a covered loss under the property, casualty, or property and casualty insurance policy. This right to cancel is in addition to any other rights of cancellation you may have under state or federal law or regulation. See the attached Notice of Cancellation form for an explanation of this right.

This contract shall not assign or otherwise transfer, in whole or in part, your duties, rights, or benefits under the property, casualty, or property and casualty insurance policy in violation of KRS 304.20-105. Any contract entered in violation of KRS 304.20-105 shall be void and unenforceable.

The customer acknowledges receiving both warnings and two completed, detachable cancellation notices before signing: Initials: [____] Date: [__/__/____].

5. Cancellation, payment, and insurer communications

If the insurer gives written notice that all or part of the claim is not covered, the customer may cancel before midnight on the fifth business day after receiving that notice. The customer may give written cancellation personally, by prepaid mail to the contractor address in this contract, or by email or facsimile to the contacts above. No particular form is required to express an intent not to be bound.

No advance payment will be required before the statutory cancellation period expires. After a cancellation under KRS 367.622, the contractor will return any payment, deposit, note, or other evidence of debt to the payor within ten days. For authorized repair or emergency work performed, the contractor may charge only the reasonable and customary amount permitted by KRS 367.626(3).

Emergency work, if any, and price basis: [DESCRIBE / NONE]

The contractor will not represent or negotiate the customer's insurance claim, market itself as a claims or insurance expert, assign the customer's policy duties or benefits, or make the policy an assignment of benefits. The contractor may provide a work estimate and discuss property damage with the insurer's representative after the customer submits a claim.

6. Signatures

Customer / insured signature: ______________________________ Date: [__/__/____]

Contractor authorized signature: ______________________________ Date: [__/__/____]

Contractor printed name and capacity: [NAME AND TITLE]

Detachable notice of cancellation — customer copy 1

NOTICE OF CANCELLATION

[__/__/____] (enter date of transaction)

If you are notified by the insurer that all or any part of the contracted goods, services, or goods and services is not a covered loss under the property, casualty, or property and casualty insurance policy, you may cancel this contract without penalty or monetary obligation before midnight of the fifth business day after you have received the notice. To cancel this transaction, you may use any of the following methods: mail or otherwise deliver a signed and dated copy of this cancellation notice, or any other written notice of cancellation which you sign and date, to [CONTRACTOR PHYSICAL ADDRESS], or email a notice of cancellation to [CONTRACTOR EMAIL OR NOT OFFERED], or transmit a notice of cancellation to [CONTRACTOR FACSIMILE OR NOT OFFERED], not later than midnight of the fifth day after you receive notice from the insurer.

I HEREBY CANCEL THIS TRANSACTION.

[__/__/____] (Date)

____________________________ (Buyer's Signature)

Detachable notice of cancellation — customer copy 2

NOTICE OF CANCELLATION

[__/__/____] (enter date of transaction)

If you are notified by the insurer that all or any part of the contracted goods, services, or goods and services is not a covered loss under the property, casualty, or property and casualty insurance policy, you may cancel this contract without penalty or monetary obligation before midnight of the fifth business day after you have received the notice. To cancel this transaction, you may use any of the following methods: mail or otherwise deliver a signed and dated copy of this cancellation notice, or any other written notice of cancellation which you sign and date, to [CONTRACTOR PHYSICAL ADDRESS], or email a notice of cancellation to [CONTRACTOR EMAIL OR NOT OFFERED], or transmit a notice of cancellation to [CONTRACTOR FACSIMILE OR NOT OFFERED], not later than midnight of the fifth day after you receive notice from the insurer.

I HEREBY CANCEL THIS TRANSACTION.

[__/__/____] (Date)

____________________________ (Buyer's Signature)

Sources and references

• Current KRS 367.620–367.628 — covered insurance-funded real-estate contracts, statutory warnings and form, payment, cancellation, and prohibited contractor conduct.
• KRS 304.20-105 — insurance-policy assignment limits.
• 2026 Kentucky Acts ch. 54 — applies Sections 1–4 to contracts entered on or after July 15, 2026.