Last updated: November 12, 2026
Using this site
By using this website you agree to these terms. The content is general information about insurance appraisal and property claims in Kentucky.
No client relationship
Reading the site, using a calculator or sending a form doesn’t create an appraiser–client relationship. That begins only when we both sign a written engagement agreement.
No legal advice
Kentucky Insurance Appraiser isn’t a law firm, and nothing here is legal advice. Policies differ and laws change. Talk to a licensed Kentucky attorney about legal questions.
Calculators
Calculators give planning estimates based on what you enter. They are not appraisals, quotes or predictions of any claim outcome.
Content and photos
Site content, design and tools belong to Kentucky Insurance Appraiser. You may share links and print pages for personal use. Photographs are used under the licenses listed on the photo credits page.
Limitation of liability
The site is provided “as is.” To the extent the law allows, we aren’t liable for decisions made based on its content or tools.
Governing law
These terms are governed by the laws of the Commonwealth of Kentucky.