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SKH Cost & Reimbursement — What the Grant Covers and What the Homeowner Pays
The Kentucky Strengthen Kentucky Homes (SKH) program provides grants toward qualifying FORTIFIED Roof work. This page explains what the homeowner pays versus what the SKH grant covers, how HECS invoices for evaluation work, and where to verify current award amounts. Always confirm current SKH grant amounts at insurance.ky.gov — amounts and categories can change annually.
Call (502) 643-7160 — fixed-fee proposal in 24 hours
[VERIFY] The dollar amounts and category breakdowns below reflect the general pattern of the SKH program. Confirm current amounts at insurance.ky.gov before publishing this page. Update the [VERIFY] sections accordingly.
What the SKH grant typically covers
The SKH program is a grant — not a loan. The grant is paid to the homeowner (or in some cases directly to the evaluator or contractor per program rules) after qualifying work is completed and verified. The grant amount depends on the FORTIFIED designation level achieved:
[VERIFY current amounts]
- FORTIFIED Roof: amount TBD — confirm at insurance.ky.gov
- FORTIFIED Silver: amount TBD — confirm at insurance.ky.gov
- FORTIFIED Gold: amount TBD — confirm at insurance.ky.gov
The current SKH grant cap is typically up to $10,000 per the program’s published amount. Verify the exact figure.
What the homeowner pays out-of-pocket (typically)
Even with the SKH grant, the homeowner is responsible for any costs exceeding the grant amount. Typical out-of-pocket categories include:
- Roofing contractor work — the full reroof installation cost minus the SKH grant portion. The contractor invoices per their contract; the homeowner pays the difference.
- HECS evaluation fee — HECS charges a fixed fee for the FORTIFIED evaluation. Whether this is reimbursable under SKH depends on current program rules (typically yes for documented evaluator costs — verify).
- Additional work uncovered during reroof — if tear-off reveals rot or structural damage, the contractor will quote corrective scope separately. SKH does not typically cover this beyond the standard reroof scope.
- Insurance deductible — if the reroof is being done as part of an insurance claim, the homeowner’s deductible applies separately.
How HECS invoices for the evaluation
HECS charges a fixed fee for the FORTIFIED evaluation, not hourly. The fee covers:
- Pre-roof site visit + photo documentation
- Mid-roof inspection during deck exposure
- Post-roof inspection + measurement
- Travel from La Grange, KY to the project site
- IBHS designation package assembly + submission
Travel cost is quoted up front in the proposal so the invoice matches the proposal — no separate per-mile billing. HECS returns a same-day quote on every inquiry.
Cost variability by designation level
| Designation | What HECS evaluates | Typical HECS fee tier |
|---|---|---|
| FORTIFIED Roof | Deck attachment, sealed deck, ring-shank nails, roof covering, drip edge, flashing | Standard |
| FORTIFIED Silver | Roof requirements + window/door impact, braced gable ends, reinforced garage doors | Standard + additional resilience-measure visits |
| FORTIFIED Gold | Silver + continuous load path inspection | Standard + structural load-path assessment |
The exact fee depends on home size, complexity, and travel distance. Call (502) 643-7160 for a same-day quote specific to your home.
When does HECS invoice get paid?
HECS invoices per the proposal once the FORTIFIED designation package has been submitted to IBHS. Payment terms are net-30 from invoice date. The homeowner is responsible for paying HECS regardless of SKH grant decision — if the grant is approved, the homeowner is then reimbursed per SKH program rules.
If SKH reimburses the evaluator fee: the homeowner pays HECS, then submits the HECS invoice for reimbursement per SKH program rules. HECS does not handle SKH reimbursement paperwork — the homeowner does.
If SKH does NOT reimburse the evaluator fee: the homeowner pays HECS out-of-pocket as part of the project cost. The grant covers only the reroof work.
What is NOT covered by the SKH grant (typically)
- Cosmetic roof upgrades beyond FORTIFIED requirements
- Skylights, solar tubes, and similar upgrades (unless required by FORTIFIED spec)
- Interior renovations or other home improvements
- Repair of pre-existing damage unrelated to the reroof
[VERIFY] Confirm current exclusions at insurance.ky.gov before publishing.