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Kentucky • Strengthen Kentucky Homes (SKH) • IBHS FORTIFIED™
Strengthen Kentucky Homes Program (SKH)
Fortified Evaluators, LLC helps Kentucky homeowners navigate the evaluation side of SKH—from qualifying inspection to documentation and the IBHS FORTIFIED™ Designation Certificate.
Kentucky SKH Roof Grant
What is SKH (Strengthen Kentucky Homes)?
SKH is administered by the Kentucky Department of Insurance to help homeowners strengthen roofs against Oklahoma’s severe weather. The mitigation standard adopted by the program is the FORTIFIED Home—Roof™ (High Wind) designation with the Hail Supplement.
Up to $10,000 Grant - Not a Loan
48 Hours
Target evaluation turnaround once documentation is complete.
100s
FORTIFIED roof inspections completed across multiple state grant programs.
SKH
Dedicated FORTIFIED evaluation services for homeowners
*Limited grants are available. The SKH roof grant is reserved on a first-come, first-served basis.
What is the Strengthen Kentucky Homes Program?
The Strengthen Kentucky Homes Program (SKH) is a Kentucky initiative designed to help mitigate eligible, owner-occupied homes to better resist wind and hail events by using IBHS FORTIFIED™ construction standards. Eligible applicants may receive grant funding (subject to availability) and must follow program procedures and documentation requirements.
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Up to $10,000 Roof Grant
SKH grant details indicate up to $10,000 may be available per approved household (subject to program rules and availability).
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Evaluator required
Applicants select an approved evaluator, who confirms eligibility and submits required forms through the SKH portal.
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Certificate-driven
Grant release is tied to completion, required forms, and the IBHS FORTIFIED™ Designation Certificate being issued.
Kentucky eligibility overview
In general, SKH eligibility focuses on Kentucky residents applying for mitigation of an insurable, owner-occupied primary residence. The evaluator confirms whether the home is eligible for mitigation based on program questions and IBHS standards.
Applicant requirements
Homeowner + Kentucky resident; property is the owner-occupied primary residence.
Eligible property types
Single-family home, duplex, or qualifying townhome. Modular homes may be eligible; condos/mobile homes are excluded.
Permits + code compliance
Homeowner must secure required permits and comply with local building codes and inspections.
How the Kentucky grant process works
This is the homeowner roadmap from application to certificate—built to match the same step-by-step structure on your Oklahoma page.
1
Apply on the SKH portal
Submit your online application at skh.doi.ky.gov. Once completed, you will be prompted to select an approved evaluator.
2
Select your evaluator + qualifying inspection
We inspect to determine eligibility and identify improvements needed for IBHS roof eligibility, then submit required findings through the portal.
3
Grant approval notification
The Department reviews applications for completeness and eligibility, approves based on order received within each region, subject to funds.
4
Request bids + choose a contractor
Select contractors from the SKH contractor list and request bids. Do not start work before approval—starting early can jeopardize funding.
5
Construction + documentation milestones
We coordinate with your contractor so required photos and documentation are captured during tear-off, dry-in, and completion.
6
Final evaluation + certificate issued
After work is complete, we confirm compliance and support certificate issuance. Program payment steps depend on required forms and certificate status.
What Fortified Evaluators, LLC does for Kentucky homeowners
We handle the evaluation side—independent verification, milestone documentation guidance, and submission support—so homeowners and contractors can move confidently through the SKH process and obtain the IBHS FORTIFIED™ Designation Certificate.
Qualifying inspections
Eligibility assessment + any required improvements identified before construction begins.
Contractor coordination
Crew-ready photo/document checklist aligned to project milestones to reduce rework.
Certificate completion support
We help keep the evaluation package clean and complete to support certificate issuance and program closeout.
Simple, two-step pricing
Pricing for Grant + FORTIFIED™ Evaluation Support
Start with a qualifying inspection. If you qualify and move forward with a contractor, we handle the documentation, grant paperwork support, and the FORTIFIED™ application workflow through certificate completion.
Step 2: Documentation + Certificate Completion
Once approved and you select a contractor, we coordinate documentation and submission through completion.
$450
Work with your contractor to document required milestones
Support with grant paperwork requirements
FORTIFIED™ application review and submission to obtain the certificate
Total cost (all-in)
Most projects follow the two-step structure: qualifying inspection first, then completion support when the roof work is finished.
$650 total (Step 1 $200 + Step 2 $450)
The $200 qualifying inspection is fully refundable if you do not qualify.
Step 2 is billed at completion after you are approved and have chosen a contractor.
Program rules and documentation requirements vary by state and program.
Kentucky service areas
Serving homeowners across Kentucky, including Louisville, Lexington, Bowling Green, Owensboro, Elizabethtown, Northern Kentucky, and surrounding communities. If you’re unsure whether you’re covered, send your ZIP and we’ll confirm.