KY SB153

Expands definitions and requirements for contractors providing real estate goods and services paid through insurance proceeds, requiring disclosure of mailing address, contact information, and mandatory notices about cancellation rights and prohibition on assigning insurance policy benefits

Prohibits contractors from representing themselves as public adjusters, claims specialists, or insurance experts, and bars them from being financially connected to public adjusters or appraisers involved in the same insurance claim

Makes it a fraudulent insurance act and first-degree criminal mischief (Class D felony) for contractors to intentionally cause property damage to increase the scope of work or secure contracts

Authorizes the Attorney General to require contractor registration during declared states of emergency, including submission of business information, liability insurance evidence, and workers' compensation compliance, with a 90-day prohibition on in-person solicitation in disaster areas without property owner approval

Establishes enforcement through the Attorney General with civil penalties of $5,000 per violation, double actual damages for injured parties, and criminal penalties ranging from Class A misdemeanor to Class B felony depending on the monetary value of fraudulent claims