Insurance Claim Assistance

Clear documentation when the loss already feels overwhelming.

We help organize restoration documentation and communicate the work being performed so you can move the property and claim forward.

We help connect the damage, the work, and the claim.

KPM works with a wide variety of property insurance carriers. Depending on the claim and carrier requirements, we can provide photos, measurements, moisture documentation, estimates, and records of the mitigation work performed.

Emergency damage assessment
Photo and moisture documentation
Restoration scope and estimates
Carrier and adjuster coordination
Direct billing when applicable
Mitigation through repairs

Flood damage and homeowners policies

Worth knowing before you file. Standard homeowners policies generally exclude rising surface water, which is covered separately through flood insurance. That distinction matters here: Rutland County was one of six Vermont counties named in the federal major disaster declaration after the July 2023 flood, when Otter Creek at Center Rutland crested at 16.36 feet, second only to Tropical Storm Irene in 2011.

Water that arrives from a burst pipe, an appliance failure, or a roof opening is a different question from water that rises from a creek, and carriers treat them differently. We document conditions and the work performed either way. What is covered is between you and your carrier.

Coverage, deductibles, and payment decisions are determined by your insurance policy and carrier. KPM does not guarantee claim approval or coverage. Nothing on this page is insurance advice; confirm your own coverage with your carrier or agent.

Discuss Your Loss

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Emergency? Call (802) 884-9100