Claim FAQs

Every policyholder's situation is unique. Depending on your circumstances, your policy may be affected. When reviewing your policy, we take many factors into account, including driving record, number of past claims and payout amounts of past claims. If you are concerned, please contact your agent.

To help keep rates affordable for all KFB members, we must occasionally cancel a policy if a policyholder becomes a high risk. For example, by filing multiple claims within a brief period of time, causing an accident while under the influence of alcohol or drugs, or taking unnecessary risks. Contact your agent for additional information.

Typically, reasonable and necessary medical treatment is covered under the Personal Injury Protection (PIP) coverage of your auto policy. If you carry Personal Injury Protection, it will provide benefits for the driver and passengers in your vehicle, and possibly pedestrians struck by your vehicle.

If your accident happened outside of Kentucky, your claim will be assigned to an adjuster who is trained to help you. Kentucky Farm Bureau Insurance will determine if your car needs to be inspected by an adjuster. KFB works with professional adjusters located across the country who are available to help when needed.

A deductible is the dollar amount of the claim you are responsible to pay. For example, if you have a $500 deductible, you will be responsible for the first $500 of certain first party claims that you file and then Kentucky Farm Bureau Insurance will pay the remainder. You choose the deductible on your policy when you purchase insurance. A higher deductible lowers the price of your premium.

We will typically reduce the amount paid to you by the amount of your deductible. You will pay the deductible to the repair facility.

Regardless of fault, you'll pay a deductible for certain coverages. However, during the claim investigation, if the facts indicate there's a chance to recover the damages from the person responsible for the accident, we'll attempt to recover them, including your deductible. If we aren't successful, you have the option of trying to recover the costs on your own. 

If your repairs cost more than the provided estimate, the repair shop should contact the appropriate KFB claims representative to discuss any additional loss-related damages.

A vehicle is considered a total loss if the estimated cost to repair exceeds 75% of its actual cash value (ACV). The decision whether to repair or declare a vehicle a total loss is based on the type and extent of damage, age of the vehicle, state law and other factors. In order to make the determination, we will have to inspect the vehicle.

If your vehicle is determined to be a total loss, you will be paid the actual cash value of the vehicle as established by conducting a local market survey, less any applicable deductible.

After your vehicle is declared a total loss, you may still owe money on your loan or lease if the actual cash value of your vehicle is less than what you owe. Purchasing loan/lease payoff coverage prior to an accident can provide financial security for you in case your vehicle is declared a total loss.

Loan/lease payoff coverage, commonly called "gap" coverage, may pay the difference between the actual cash value of your vehicle and what you still owe on your loan or lease (less any deductible). The payment made under this coverage may not exceed 25% of the ACV.

We will be glad to review any documentation you have to support the reason for disagreement. We will review the documentation for accuracy and applicability to the total loss vehicle. If the documentation is credible and it affects our assessment of the ACV, we will adjust our offer accordingly. If we remain in disagreement, our policy contract describes how an appraisal can be arranged to resolve the differences.

Typically, totaled vehicles are sold at salvage auctions or to a licensed salvage dealer. KFB complies with the appropriate laws and regulations that require obtaining salvage titles or branding/marking the title. We obtain salvage at the conclusion of a total loss settlement and sell it through licensed salvage vendors. We do not directly sell vehicles determined to be a total loss to private individuals.

In some instances, you may be able to purchase your vehicle from Kentucky Farm Bureau Insurance after a total loss. Your adjuster can provide information if you are interested. 

You may be covered, depending on your coverage and circumstances of your claim. Please consult with your agent and/or policy for specific information prior to a loss or speak to your adjuster regarding a specific claim. 

Once your claim has been investigated (including vehicle repairs, if applicable) and you have agreed on a settlement amount, your claims representative will work to pay your settlement as quickly as possible. 

There are restrictions to coverage for certain types of equipment under the auto policy. Other personal property items are typically covered under your homeowners policy. Please contact your Claim Representative for additional information. 

Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, Kentucky Farm Bureau will conduct an investigation to assess the allegations. If you receive notice of a lawsuit filed against you, please notify your KFB agent and claims representative immediately, and forward any documents you receive to them as soon as possible.

Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, Kentucky Farm Bureau will conduct an investigation to assess the allegations. If you receive notice of a lawsuit filed against you, please notify your KFB agent and claims representative immediately, and forward any documents you receive to them as soon as possible.

There are restrictions to coverage for certain types of equipment under the auto policy. Other personal property items are typically covered under your homeowners policy. Please contact your Claim Representative for additional information. 

Once your claim has been investigated (including motorcycle repairs, if applicable) and you have agreed on a settlement amount, your claims representative will work to pay your settlement as quickly as possible. 

You may be covered, depending on your coverage and circumstances of your claim. Please consult with your agent and/or policy for specific information prior to a loss or speak to your adjuster regarding a specific claim. 

In some instances, you may be able to purchase your motorcycle from Kentucky Farm Bureau Insurance after a total loss. Your adjuster can provide information if you are interested. 

Typically, totaled motorcycles are sold at salvage auctions or to a licensed salvage dealer. KFB complies with the appropriate laws and regulations that require obtaining salvage titles or branding/marking the title. We obtain salvage at the conclusion of a total loss settlement and sell it through licensed salvage vendors. We do not directly sell vehicles determined to be a total loss to private individuals.

We will be glad to review any documentation you have to support the reason for disagreement. We will review the documentation for accuracy and applicability to the total loss vehicle. If the documentation is credible and it affects our assessment of the ACV, we will adjust our offer accordingly. If we remain in disagreement, our policy contract describes how an appraisal can be arranged to resolve the differences.

After your motorcycle is declared a total loss, you may still owe money on your loan or lease if the actual cash value is less than what you owe. Purchasing loan/lease payoff coverage prior to an accident can provide financial security for you in case your motorcycle is declared a total loss.

Loan/lease payoff coverage, commonly called "gap" coverage, may pay the difference between the actual cash value of your vehicle and what you still owe on your loan or lease (less any deductible). The payment made under this coverage may not exceed 25% of the ACV.

A motorcycle is considered a total loss if the estimated cost to repair exceeds 75% of its actual cash value (ACV). The decision whether to repair or declare a total loss is based on the type and extent of damage, age of the motorcycle, state law, and other factors. In order to make the determination, we will have to inspect the motorcycle.

If your motorcycle is determined to be a total loss, you will be paid the actual cash value of the motorcycle as established by conducting a local market survey, less any applicable deductible.

If your repairs cost more than the provided estimate, the repair shop should contact the appropriate KFB claims representative to discuss any additional loss-related damages.

Regardless of fault, you'll pay a deductible for certain coverages. However, during the claim investigation, if the facts indicate there's a chance to recover the damages from the person responsible for the accident, we'll attempt to recover them, including your deductible. If we aren't successful, you have the option of trying to recover the costs on your own. 

We will typically reduce the amount paid to you by the amount of your deductible. You will pay the deductible to the repair facility.

A deductible is the dollar amount of the claim you are responsible to pay. For example, if you have a $500 deductible, you will be responsible for the first $500 of certain first party claims that you file and then Kentucky Farm Bureau Insurance will pay the remainder. You choose the deductible on your policy when you purchase insurance. A higher deductible lowers the price of your premium.

If your accident happened outside of Kentucky, your claim will be assigned to an adjuster who is trained to help you. Kentucky Farm Bureau Insurance will determine if your motorcycle needs to be inspected by an adjuster. KFB works with professional adjusters located across the country who are available to help when needed.

Typically, reasonable and necessary medical treatment is covered under the Personal Injury Protection (PIP) coverage. Depending on the Personal Injury Protection (PIP) coverage you have selected, your policy may provide benefits for the driver or passenger on your motorcycle, as well as any pedestrians struck by your vehicle.

To help keep rates affordable for all KFB members, we must occasionally cancel a policy if a policyholder becomes a high risk. For example, by filing multiple claims within a brief period of time, causing an accident while under the influence of alcohol or drugs, or taking unnecessary risks. Contact your agent for additional information.

Every policyholder's situation is unique. Depending on your circumstances, your policy may be affected. When reviewing your policy, we take many factors into account, including driving record, number of past claims and payout amounts of past claims. If you are concerned, please contact your agent.

• Look for potential safety risks.
• Take reasonable steps to prevent further damage.
• If the loss was caused by theft, notify the police.
• Make a written list of what was damaged, destroyed or stolen (write down any info you can remember about the property).
• If a credit card has been stolen, notify the issuing financial institution immediately.
• Keep an accurate record of repair expenditures.
• Separate items that can be cleaned or repaired.
• Check with your claims representative before discarding any items you plan to claim as damaged.
• Review your policy for specific coverage information.

Depending on your claims history, the dollar amount of past claims and the frequency of claims, you may incur an increase on your policy. To help keep our rates affordable for all KFB members, we must occasionally cancel a policy if a policyholder becomes a high risk – for example, by filing multiple claims within a brief period of time or taking unnecessary risks. Please contact your KFB Insurance agent for additional information.

Filing a claim may help you if other related damages are discovered at a later date. There is no requirement for you to submit a claim if the known damages are less than your deductible.

We know you're eager to start putting your home back together, and you should take steps to protect your property from further damage – cover broken windows and gaps in the roof or exterior walls, etc. Otherwise it is important for an inspection by a claims representative before repairs are performed to identify all of the damages that may be covered by your policy, ensuring the estimate for damages is accurate. 

There are a number of factors to consider before answering this question. Such as what coverages you purchased in your Kentucky Farm Bureau Insurance policy? What was the cause of the loss or damage? What property was lost or damaged? Contact your Local Farm Bureau to discuss the coverage afforded under your policy or speak to a claims representative to ask specific questions.

Your Homeowners Policy generally covers up to 10% of your policy amount for items located away from your home. This includes possessions with children away at college. Please contact your local Farm Bureau agent or claims representative for further information. 

A deductible is the dollar amount of the claim you are responsible to pay. If you have a $500 deductible, generally you will be responsible for the first $500 of any claim for your property that you file and then Kentucky Farm Bureau Insurance will pay the remainder. You choose the deductible on your policy when you purchase insurance. A higher deductible lowers the price of your premium.

We typically reduce the amount paid to you by the amount of your deductible. You will usually pay the deductible to the contractor or repair person upon completion of repairs.

Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, Kentucky Farm Bureau will conduct an investigation to assess the allegations. If you receive notice of a lawsuit filed against you, please notify your KFB agent and claims representative immediately, as there are very short time periods to respond to lawsuits.

If your policy has additional living expenses coverage and a direct physical loss makes your home uninhabitable, then we will pay for the reasonable increase in living expenses necessary to maintain your normal standard of living. Check your policy for coverage and limits. Keep receipts for additional living expenses you pay out of pocket. A claim representative or your local Farm Bureau agent can answer questions about this coverage.

Yes. Your policy requires you to file a report with the appropriate authorities.

Depending on your individual policy there may be coverage for such damage. If you purchased dwelling insurance, you should be covered. To confirm coverage, please consult your local Kentucky Farm Bureau Insurance agent or a claims representative.

In Kentucky, flood insurance is a Federal program and not administered by Kentucky Farm Bureau Insurance. Many of our agents sell flood insurance through this federal program, but the coverage is not administered by Kentucky Farm Bureau Insurance. If you have a separate flood insurance policy, you should be covered for flood-related damages and can report a claim by calling your agent. You can also report the claim online at https://sfb.managemyfloodpolicy.com and choosing the “report a claim” option.  They can select this option without having to sign into the website. You can also file a flood insurance claim by calling 1-800-647-8052 from 8:00 a.m. - 4:30 p.m. CST.  Learn more about this program at the program’s official website: www.FloodSmart.gov.

Often the answer is yes but all claims are investigated and evaluated on their individual merits.  Your Kentucky Farm Bureau Insurance agent or claim representative can discuss your specific situation with you.

No. Please file your claim as soon as possible after the loss occurs. As additional information develops, provide it to your Kentucky Farm Bureau claims representative. We will gladly review additional documentation and conduct additional investigation if warranted. 

All of the following can help in showing proof of ownership for stolen property: receipts, owner’s manuals, product packaging, appraisals, photos, and videos. In addition, we recommend recording each room of your home with a video camera and keeping the information in a fireproof safe or safe deposit box.

Yes. We suggest you seek out contractors with a proven reputation and track record in your area. To help ensure you choose a reliable contractor, we recommend the following steps:

• Get recommendations from friends, relatives and business associates
• Get references from contractors you interview and check those references
• Contact your local Better Business Bureau office or website for information on contractors you’re considering.
• Don’t sign a contract until you’ve reviewed it carefully and have agreed to payment terms
• Make sure the contractor has been doing business in your area for some time. 

Depending on your claims history, the dollar amount of past claims and the frequency of claims, you may incur an increase on your policy. To help keep our rates affordable for all KFB members, we must occasionally cancel a policy if a policyholder becomes a high risk – for example, by filing multiple claims within a brief period of time or taking unnecessary risks. Please contact your KFB Insurance agent for additional information.

We know you're eager to start putting your business back together, but it’s best to wait until our claims professional has conducted our first on-site inspection. The only thing you should do is protect your property from further damage – cover broken windows and gaps in the roof or exterior walls. By waiting, we’ll be able to identify all of the damages that may be covered by your policy, ensuring you receive everything you’re entitled to. 

There are a number of factors to consider before answering this question. What coverages you purchased in your Kentucky Farm Bureau Insurance policy? What was the cause of the loss or damage? What property was lost or damaged? Contact your local Kentucky Farm Bureau agent or claims representative to discuss the coverage afforded under your policy.

A deductible is the dollar amount of the claim you are responsible to pay. If you have a $500 deductible, generally you will be responsible for the first $500 of any claim for your property that you file and then Kentucky Farm Bureau Insurance will pay the remainder. You choose the deductible on your policy when you purchase insurance. A higher deductible lowers the price of your premium.

We will typically reduce the amount paid to you by the amount of your deductible. You will usually pay the deductible to the contractor or repair person upon completion of repairs.

Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, Kentucky Farm Bureau will conduct an investigation to assess the allegations. If you receive notice of a lawsuit filed against you, please notify your KFB agent and/or claims representative immediately, and forward any documents you receive to them as soon as possible.

Your claims representative will complete a thorough investigation and review of your policy to determine if loss of revenue coverage applies.  

Yes. We suggest you seek out contractors with a proven reputation and track record in your area. To help ensure you choose a reliable contractor, we recommend the following steps:

• Get recommendations from friends, relatives and business associates.
• Get references from contractors you interview and check those references.
• Contact your local Better Business Bureau office or website for information on contractors you’re considering.
• Don’t sign a contract until you’ve reviewed it carefully and have agreed to payment terms.
• Make sure the contractor has been doing business in your area for some time. Large storms often lure out-of-state contractors to Kentucky who may be “here today, gone tomorrow."

Yes. Your policy requires you to file a report with the appropriate authorities.

In Kentucky, flood insurance is a federal program. Many of our agents sell flood insurance through this federal program, but the coverage is not administered by Kentucky Farm Bureau Insurance. Learn more about this program at the program’s official website (www.FloodSmart.gov) or contact your KFB Insurance agent.  

Often the answer is yes, but all claims are investigated and evaluated on their individual merits. Your Kentucky Farm Bureau agent or claims representative can discuss your specific situation with you.

No. Please file your claim as soon as possible after the loss occurs. As additional information develops, provide it to your Kentucky Farm Bureau claims representative. We will gladly review additional documentation and conduct additional investigation if warranted. 

All of the following can help in showing proof of ownership for stolen property: receipts, owner’s manuals, product packaging, appraisals, photos, and videos. In addition, we recommend recording each area of your business with a video camera and keeping the information in a fireproof safe of safe deposit box. 

Every policyholder's situation is unique. Depending on your circumstances, your policy may be affected. When evaluating your claim, we take many factors into account, including driving record, number of past claims and payout amounts of past claims. If you are concerned, please contact your agent.

To help keep rates affordable for all KFB members, we must occasionally cancel a policy if a policyholder becomes a high risk. For example, by filing multiple claims within a brief period of time, causing an accident while under the influence of alcohol or drugs, or taking unnecessary risks. Contact your agent for additional information.

If your accident happened outside of Kentucky, your claim will be assigned to an adjuster who is trained to help you. Kentucky Farm Bureau Insurance will determine if your boat needs to be inspected by an adjuster. KFB works with professional adjusters located across the country who are available to help when needed.

The policy territory applies within the limits of the 48 contiguous states of the continental United States, Alaska and Canada. 

A deductible is the dollar amount of the claim you are responsible to pay. For example, if you have a $500 deductible, you will be responsible for the first $500 of certain first party claims that you file and then Kentucky Farm Bureau Insurance will pay the remainder. You choose the deductible on your policy when you purchase insurance. A higher deductible lowers the price of your premium.

We will typically reduce the amount paid to you by the amount of your deductible. You will pay the deductible to the repair facility after completion of repairs.

Regardless of fault, you'll pay a deductible for certain coverages. However, during the claim investigation, if the facts indicate there's a chance to recover the damages from the person responsible for the accident, we'll attempt to recover them, including your deductible. If we aren't successful, you have the option of trying to recover the costs on your own. See our subrogation section for more information.

If your repairs cost more than the provided estimate, the repair shop should contact the appropriate KFB claims representative to discuss any additional loss related damages.

A watercraft is considered a total loss if the estimated cost to repair exceeds 75% of its actual cash value (ACV). The decision whether to repair or declare a watercraft a total loss is based on the type and extent of damage, age of the boat, state law and other factors. In order to make the determination, we will have to inspect the vehicle.

If your watercraft has been determined to be a total loss, you will be paid the actual cash value of the watercraft as established by conducting a local market survey, less any applicable deductible.

You will be asked to provide documentation to back up the reason for disagreement. We will review the documentation for accuracy and applicability to the total loss vehicle. If the documentation is credible and it affects our assessment of the actual cash value (ACV), we will adjust our offer accordingly. If we remain in disagreement, our policy contract describes how an appraisal can be arranged to resolve the differences. 

After your watercraft is declared a total loss, you may still owe money on your loan or lease if the actual cash value is less than what you owe.

Typically, totaled watercraft are sold at salvage auctions or to a licensed salvage dealer. KFB complies with the appropriate laws and regulations that require obtaining salvage titles or branding/marking the title. We obtain salvage at the conclusion of a total loss settlement and sell it through licensed salvage vendors. We do not directly sell watercraft determined to be a total loss to private individuals. 

In some instances, you may be able to purchase your boat from Kentucky Farm Bureau Insurance after a total loss. Your adjuster can provide information if you are interested. 

Once your claim has been processed (including repairs, if applicable) and you have agreed on a settlement amount, your claims representative will work to pay your settlement as quickly as possible. 

Equipment permanently attached to the boat is generally covered under your boat policy. Items stored in your boat or used in connection with the operation and upkeep of the boat may be covered under your homeowners policy. Please contact your claims representative for additional information. 

Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, Kentucky Farm Bureau will conduct an investigation to assess allegations. If you receive notice of a lawsuit filed against you, please notify your KFB agent and claims representative immediately, and forward any documents received to them as soon as possible.

Though there isn’t really a difference in the claim itself, catastrophes impact entire communities. For this reason, Kentucky Farm Bureau Insurance dispatches catastrophe response teams that set up on-site to help policyholders and handle large volumes of claims.

The basic claims process is handled the same, but KFB responds with great urgency — we realize when a major catastrophe strikes, the entire community is affected. Our catastrophe teams provide on-site service, including money to pay for our policyholders’ immediate expenses.

Depending on your individual policy coverage, spoiled food may be covered. Unlike other insurance companies, Kentucky Farm Bureau Insurance does not have a deductible on food spoilage coverage. Contact your local Kentucky Farm Bureau agent or claims representative to see if you’re covered.

If your policy has Additional Living Expenses coverage and a direct physical loss makes your home uninhabitable, then we will pay for the reasonable increase in living expenses necessary to maintain your normal standard of living. Check your policy for coverage and limits. Keep receipts for additional living expenses you pay out of pocket. A claims representative or your local Kentucky Farm Bureau agent can answer any questions about this coverage.

If a tree falls on your home or building, the damage will typically be covered under your homeowners policy.

If your tree fell on your car and has caused damage, it’s not covered under your homeowners policy, but may be covered under the Other Than Collision (OTC) coverage of your auto policy, if you purchased OTC coverage. If your neighbor’s tree fell on your car and caused damage, your auto policy typically covers the damage under OTC coverage, if you purchased OTC coverage. Contact your local Kentucky Farm Bureau agent or claims representative for more information.

If the branches fall on and damage a covered dwelling or structure, then removal is typically covered. If the branches and debris simply fall into your yard, there is no coverage for removal and pick up.

Both parties should file an insurance claim with their respective insurer. We will investigate the claim to determine liability and if it is a covered loss under your policy. 

In Kentucky, flood insurance is a Federal program and not administered by Kentucky Farm Bureau Insurance. Many of our agents sell flood insurance through this federal program, but the coverage is not administered by Kentucky Farm Bureau Insurance. If you have a separate flood insurance policy, you should be covered for flood-related damages and can report a claim by calling your agent. You can also report the claim online at https://sfb.managemyfloodpolicy.com and choosing the “report a claim” option.  They can select this option without having to sign into the website. You can also file a flood insurance claim by calling 1-800-647-8052 from 8:00 a.m. - 4:30 p.m. CST.  Learn more about this program at the program’s official website: www.FloodSmart.gov.

We try to prioritize inspections based on severity of need and will respond in a timely manner. 

We know you're eager to start putting your home back together, and you should take steps to protect your property from further damage – cover broken windows and gaps in the roof or exterior walls, etc. Otherwise it is important for an inspection by a claims representative to occur to identify all of the damages that may be covered by your policy, ensuring the estimate for damages is accurate. 

KFB does not recommend contractors.  However, your local Kentucky Farm Bureau Insurance agent or adjuster may be able to provide you with some names of local contractors in your area.

Yes. We suggest you seek out contractors with a proven reputation and track record in your area. To help ensure you choose a reliable contractor, we recommend the following steps:

• Get recommendations from friends, relatives and business associates.
• Get references from contractors you interview and check those references.
• Contact your local Better Business Bureau office or website for information on contractors you’re considering.
• Don’t sign a contract until you’ve reviewed it carefully and have agreed to payment terms.
• Make sure the contractor has an active license in your state.
• Make sure the contractor has been doing business in your area for some time. Large storms often lure out-of-state contractors to Kentucky who may be “here today, gone tomorrow”.

To check the status of your claim, please call your adjuster or the Regional Claim Office nearest you.

If you obtain a contractor's estimate and it exceeds the estimate written by the Kentucky Farm Bureau claims representative, we ask that you submit that estimate to your Kentucky Farm Bureau claims representative. He or she will review it and will discuss any adjustments with your contractor. 

Your deductible will be subtracted from the amount of your loss before we issue a settlement payment. You are responsible to pay the amount of your deductible to your contractor once repairs are complete. 

Claims are usually settled at Actual Cash Value which is replacement cost less depreciation based on the age of the damage item(s).  If there is replacement cost coverage for the damage, we will pay up to the depreciated amount on each item or up to your coverage limits once you have repaired or replaced the covered item(s).  Ask your local Kentucky Farm Bureau agent about specific coverage or claim.

When you have a mortgage on your home, settlement checks are typically made payable to both you and your mortgage company. Contact your mortgage company to learn how to obtain their signature on the check. 

Contact your claims representative for an additional inspection to see if the damage is covered by your policy.