KY | The Kentucky Department of Insurance has issued Advisory Opinion 2023-08.
The purpose of this Advisory Opinion is to clarify the Department’s interpretation of 806 KAR
12:095 Section 9(1)(b), which provides as follows:
“If a loss requires replacement of items and the replaced items do not reasonably match in quality, color, and size, the insurer shall replace all items in the area so as to conform to a reasonably uniform appearance. This applies to interior and exterior losses. The insured shall not bear any cost over the applicable deductible.”