FREQUENTLY ASKED QUESTIONS 

At KCRR Solutions, we are a local, family-owned, and licensed Class A General Contractor. This means we can handle everything from storm damage repairs to full-scale rebuilds involving structural damage, such as when a tornado or a fallen tree impacts your home. We work closely with city and municipal authorities to ensure compliance with all codes and regulations. We also recommend and coordinate with engineers when structural reports are needed, ensuring that your project is done safely and correctly. Additionally, we handle roofing repairs, water mitigation, and general reconstruction—all while adhering to building codes. We will send all relevant code documentation, along with written and photographic evidence, to your insurance company to demonstrate what is necessary for your claim. Our goal is for you to only owe your deductible, without any unexpected expenses.

The insurance claim belongs to you, the homeowner. This means you have the authority to make decisions and communicate with your insurance company regarding your claim. Sometimes it might feel like the insurance company has full control, but it's important to remember that the claim is ultimately yours. If you think something needs to be addressed differently, you have the right to communicate that to your insurer. Our role is to support you through this process, and most of the time, we can work well with your insurance company to ensure everything goes smoothly. We want you to feel empowered knowing that you are the customer of both the insurance company and KCRR Solutions.

Delays in approval or payments can happen due to high workloads within insurance companies, particularly during busy seasons with multiple storms or other natural disasters. While we do everything we can to keep things moving quickly, there are times when we have to wait for approvals. We are proactive in following up with the insurance company to speed up the process, but some patience may be required as insurance companies manage high volumes.

If you would like additional work done beyond what your insurance covers, we can create a separate change order. This change order will need to be signed and approved before we proceed. This ensures there are no surprises and everyone is on the same page. Many homeowners use this opportunity to make upgrades or complete other improvements while repairs are underway.

If you decide to remove certain items from the scope of work, we will revisit the contract to adjust the project details and pricing. Any changes will come with a new proposal and agreement to make sure everyone is clear on the new terms. We ensure that no matter what adjustments are made, they are documented to avoid any confusion.

Once your insurance claim is approved and you approve our proposal, we ask for an initial deposit to schedule your project. Our preconstruction team will then reach out to help you select materials such as paint colors, shingles, or siding. Material availability can impact the project timeline, but we have reliable suppliers to help reduce delays. We are capable of managing your entire project—from initial damage mitigation to final restoration.

Yes, you can! Many homeowners decide to upgrade their materials, like cabinets, countertops, or flooring. We will provide a change order for any upgrades, which will need your approval before proceeding. This ensures that all additional work is clearly documented.

Insurance claims usually involve two parts to the payment: Actual Cash Value (ACV) and Recoverable Cash Value (RCV). Typically, the ACV is paid first. Once the work is complete, we submit an invoice to your insurance company to request the release of the RCV. We emphasize that you only need to pay your deductible—KCRR Solutions will wait for insurance payments, minimizing the financial burden on you.

We start working with your insurance company and working for you before you receive any payments from your insurance company. We are patient in waiting for the depreciation and final payments, understanding that additional steps, such as sending checks to a mortgage company for approval, may be involved. We strive to make this process as smooth as possible to minimize any financial stress on you.

We provide allowances for materials like carpet, siding, and more. For example, we work closely with Big Bob's Carpet, who understands the insurance process and will take great care of our customers. You can visit their store or browse samples that we bring to you—just let them know KCRR Solutions sent you!

KCRR Solutions is a local, family-owned general contractor with deep roots in the Kansas City area. Unlike traveling roofing companies or national water mitigation franchises, we are committed to our community and provide personalized service tailored to each customer. Our team has extensive experience handling insurance claim-related projects, and we use industry-leading software like Xactimate to ensure precise and efficient estimates. Additionally, our full office staff is well-versed in the complexities of insurance claim accounting, allowing us to manage your project seamlessly from start to finish.

Xactimate is industry-leading estimating software that we use to ensure accurate and fair pricing for your insurance claim. The price list within Xactimate is updated every month and reflects local average costs for labor, materials, and other project components. This allows us and the insurance company to have a common point of reference for costs, ensuring that your project is estimated accurately according to the current market conditions. It is important to note that these are averages, and any discrepancies can be supplemented for additional review by the insurance adjuster.

Overhead and Profit (O&P) is an additional percentage added to the estimate to cover the general contractor's overhead costs and profit margin. Typically, O&P is included when the project involves three or more trades or requires significant coordination between different aspects of the work. O&P is often not included in estimates for straightforward roofing or mitigation projects but is generally included in larger, more complex restoration projects. If you believe it has been left off inappropriately, we can discuss this with your insurance adjuster.

Once your proposal is approved and the initial deposit is made, we immediately look for the next available opportunity to schedule your start date. Unlike other contractors, we have dedicated crews that focus on your project from start to finish without unnecessary delays. Our crews are highly experienced and work cohesively, ensuring that once we begin, the project moves smoothly and efficiently. You will have a dedicated crew lead overseeing the work, along with a field supervisor managing multiple projects to ensure high quality. Our preconstruction department is available to answer any questions regarding materials and procurement, while our office staff can assist with accounting and any project-related information throughout the week. We strive to ensure that there will always be someone available to help you.

We understand that insurance-related projects can be stressful, especially when they involve unexpected damages and disruptions to your home. Our goal is to make the process as smooth as possible. We can work with your schedule to minimize the disruption, and if necessary, we can help you coordinate temporary lodging options through your insurance company, such as staying at a hotel or Airbnb during major work phases like floor refinishing. We are committed to working around any planned events you may have and will do our best to accommodate your needs to make the experience less burdensome.

If the adjuster only approves part of your roof or siding, we will work with them to verify if matching materials are still available. Often, we send a sample to ITEL, which is a company that verifies whether the material is still manufactured and available, and where to obtain it. ITEL also evaluates flooring materials like carpet or luxury vinyl plank (LVP) to determine availability and pricing. We use their findings to negotiate with the insurance company, and if a complete match cannot be found, we will request approval to replace the entire roof or siding to ensure consistency.

If the adjuster does not initially approve your roof for hail damage, we can perform a thorough inspection and provide documentation to the insurance company, including photos and an additional estimate for replacing the roof. This process often leads to a second inspection with the adjuster. We are always ready to assist with this process and advocate for the necessary repairs.

A supplement is an additional request sent to the insurance company for items that may have been missed or are required to complete the job properly. For example, code-required upgrades or additional materials not included in the initial estimate may require a supplement. We are proactive in identifying these needs and submitting the appropriate documentation to the insurance company to ensure your project is fully covered.

It is highly beneficial for us to be present during adjuster appointments. Having both the adjuster and the contractor on-site allows us to address any discrepancies immediately and ensures that all damage is documented accurately. This collaborative approach helps expedite the approval process and prevents misunderstandings between parties.