An Indiana inquiry should get a different first email than a St. Matthews one
Routing by state at the moment the form lands is the cheapest conversion improvement available in this market.
Make town and state a required field and put it first. Everything downstream depends on it: which template replies, which number calls back, whether the job goes on the board at all.
If you do work across the river, the first reply should say so in the opening line and mention that you are set up for work in Indiana, with a general note that requirements differ by state and that specifics are worth confirming locally. That single sentence removes the doubt the homeowner has been carrying since they started searching.
If you do not work that side, reply within the hour and say so plainly, then name a company you would use. Referrals travel in both directions across the Ohio River and a fast honest no is remembered better than a slow maybe.
Keep the two paths in separate reporting. Otherwise Indiana inquiries you cannot serve sit in your conversion rate and quietly make your Kentucky marketing look worse than it is.