{"dataset":"insurance-gutter-claims","title":"KC Insurance Gutter Claims Guide","description":"Per-carrier per-state filing requirements (10 carriers \u00d7 MO/KS = 20 combinations) including statute of limitations, depreciation rules, supplement procedures, appraisal clause text, matching laws, and state DOI contact.","license":"CC-BY 4.0","license_url":"https://creativecommons.org/licenses/by/4.0/","attribution":"Premier Gutters KC \u2014 premiergutterskc.com","version":"1.0","updated":"2026-05-24","row_count":20,"rows":[{"carrier_id":"state-farm","carrier":"State Farm","claim_phone":"(800) 732-5246","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Standard ACV with optional RCV endorsement. State Farm typically depreciates aluminum gutters at 4-5% per year (20-25 year life). Recoverable depreciation paid on completion.","page_url":"https://premiergutterskc.com/insurance/state-farm-claim-mo/"},{"carrier_id":"state-farm","carrier":"State Farm","claim_phone":"(800) 732-5246","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Standard ACV with optional RCV endorsement. State Farm typically depreciates aluminum gutters at 4-5% per year (20-25 year life). Recoverable depreciation paid on completion.","page_url":"https://premiergutterskc.com/insurance/state-farm-claim-ks/"},{"carrier_id":"usaa","carrier":"USAA","claim_phone":"(800) 531-8722","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"RCV is standard on most USAA HO-3 policies. Generous on gutter claims; rarely disputes scope when itemized correctly. Members get one of the smoothest claim experiences in the industry.","page_url":"https://premiergutterskc.com/insurance/usaa-claim-mo/"},{"carrier_id":"usaa","carrier":"USAA","claim_phone":"(800) 531-8722","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"RCV is standard on most USAA HO-3 policies. Generous on gutter claims; rarely disputes scope when itemized correctly. Members get one of the smoothest claim experiences in the industry.","page_url":"https://premiergutterskc.com/insurance/usaa-claim-ks/"},{"carrier_id":"shelter-insurance","carrier":"Shelter Insurance","claim_phone":"(800) 743-5837","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Missouri-headquartered carrier. Tends to depreciate at 3-4% per year. Usually willing to pay supplements when scope changes are documented with photos.","page_url":"https://premiergutterskc.com/insurance/shelter-insurance-claim-mo/"},{"carrier_id":"shelter-insurance","carrier":"Shelter Insurance","claim_phone":"(800) 743-5837","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Missouri-headquartered carrier. Tends to depreciate at 3-4% per year. Usually willing to pay supplements when scope changes are documented with photos.","page_url":"https://premiergutterskc.com/insurance/shelter-insurance-claim-ks/"},{"carrier_id":"allstate","carrier":"Allstate","claim_phone":"(800) 255-7828","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Mixed reputation on gutter claims. Adjusters often try to limit scope to slope-only sections. Always insist on a full-eave assessment for hail.","page_url":"https://premiergutterskc.com/insurance/allstate-claim-mo/"},{"carrier_id":"allstate","carrier":"Allstate","claim_phone":"(800) 255-7828","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Mixed reputation on gutter claims. Adjusters often try to limit scope to slope-only sections. Always insist on a full-eave assessment for hail.","page_url":"https://premiergutterskc.com/insurance/allstate-claim-ks/"},{"carrier_id":"american-family","carrier":"American Family","claim_phone":"(800) 692-6326","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Headquartered in Madison, WI but big in KC. Strong claim service. Pays RCV in two checks (ACV at first inspection, recoverable on completion).","page_url":"https://premiergutterskc.com/insurance/american-family-claim-mo/"},{"carrier_id":"american-family","carrier":"American Family","claim_phone":"(800) 692-6326","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Headquartered in Madison, WI but big in KC. Strong claim service. Pays RCV in two checks (ACV at first inspection, recoverable on completion).","page_url":"https://premiergutterskc.com/insurance/american-family-claim-ks/"},{"carrier_id":"aaa-insurance","carrier":"AAA Insurance (Auto Club)","claim_phone":"(800) 222-7623","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Underwriter varies by region. KC AAA policies are often written by Auto Club Family Insurance. Standard ACV-then-recoverable structure.","page_url":"https://premiergutterskc.com/insurance/aaa-insurance-claim-mo/"},{"carrier_id":"aaa-insurance","carrier":"AAA Insurance (Auto Club)","claim_phone":"(800) 222-7623","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Underwriter varies by region. KC AAA policies are often written by Auto Club Family Insurance. Standard ACV-then-recoverable structure.","page_url":"https://premiergutterskc.com/insurance/aaa-insurance-claim-ks/"},{"carrier_id":"liberty-mutual","carrier":"Liberty Mutual","claim_phone":"(800) 290-8711","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Frequently uses Xactimate scope-of-work software. Photo documentation strongly recommended for supplements. Pays RCV in two-check structure.","page_url":"https://premiergutterskc.com/insurance/liberty-mutual-claim-mo/"},{"carrier_id":"liberty-mutual","carrier":"Liberty Mutual","claim_phone":"(800) 290-8711","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Frequently uses Xactimate scope-of-work software. Photo documentation strongly recommended for supplements. Pays RCV in two-check structure.","page_url":"https://premiergutterskc.com/insurance/liberty-mutual-claim-ks/"},{"carrier_id":"farmers-insurance","carrier":"Farmers Insurance","claim_phone":"(800) 435-7764","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Standard ACV-then-recoverable structure. Adjusters in KC often need a third-party measurement (EagleView) for steep roofs.","page_url":"https://premiergutterskc.com/insurance/farmers-insurance-claim-mo/"},{"carrier_id":"farmers-insurance","carrier":"Farmers Insurance","claim_phone":"(800) 435-7764","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Standard ACV-then-recoverable structure. Adjusters in KC often need a third-party measurement (EagleView) for steep roofs.","page_url":"https://premiergutterskc.com/insurance/farmers-insurance-claim-ks/"},{"carrier_id":"progressive","carrier":"Progressive","claim_phone":"(800) 776-4737","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"Newer entrant into homeowner space in MO/KS. Claims often subcontracted to independent adjusters. Get itemized scope before signing.","page_url":"https://premiergutterskc.com/insurance/progressive-claim-mo/"},{"carrier_id":"progressive","carrier":"Progressive","claim_phone":"(800) 776-4737","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"Newer entrant into homeowner space in MO/KS. Claims often subcontracted to independent adjusters. Get itemized scope before signing.","page_url":"https://premiergutterskc.com/insurance/progressive-claim-ks/"},{"carrier_id":"nationwide","carrier":"Nationwide","claim_phone":"(800) 421-3535","state":"MO","state_name":"Missouri","statute_of_limitations":"5 years from date of loss (RSMo \u00a7516.120). The clock starts on the day of the hail storm or wind event, NOT the day you filed the claim.","depreciation_practice":"Missouri allows the insurer to depreciate building materials but recoverable depreciation must be paid when the work is completed. Some carriers (notably Shelter and USAA) are more generous than others.","supplement_rule":"Missouri insurance code \u00a7379.140 requires insurers to respond to supplement requests within 30 days. If scope changes during installation (rotted fascia, hidden damage), submit a written supplement with photos.","appraisal_clause_applies":"yes","matching_law":"Missouri does NOT have a statewide matching law. Insurers are not legally required to replace undamaged sections to match \u2014 but most reasonable adjusters will replace a full elevation to maintain uniform appearance.","state_doi_contact":"Missouri Department of Commerce & Insurance, Consumer Affairs: 1-800-726-7390. File complaints at insurance.mo.gov.","carrier_notes":"On Your Side claim model. Generally fair on gutter claims. RCV is standard on most policies.","page_url":"https://premiergutterskc.com/insurance/nationwide-claim-mo/"},{"carrier_id":"nationwide","carrier":"Nationwide","claim_phone":"(800) 421-3535","state":"KS","state_name":"Kansas","statute_of_limitations":"5 years for written contract claims; 1 year for some bad-faith claims (K.S.A. \u00a760-511). The clock typically starts on the date of the loss event.","depreciation_practice":"Kansas allows ACV depreciation with RCV recovery. Depreciation rates vary by carrier; most use 4-5% per year on aluminum gutters.","supplement_rule":"K.S.A. \u00a740-2404 governs unfair claims practices. Supplements should be submitted in writing with photos and Xactimate scope changes.","appraisal_clause_applies":"yes","matching_law":"Kansas does NOT have a statewide matching law, but the Kansas Insurance Department has indicated that 'reasonable matching' is part of restoring the property to pre-loss condition.","state_doi_contact":"Kansas Insurance Department, Consumer Assistance: 1-800-432-2484. File complaints at insurance.kansas.gov.","carrier_notes":"On Your Side claim model. Generally fair on gutter claims. RCV is standard on most policies.","page_url":"https://premiergutterskc.com/insurance/nationwide-claim-ks/"}]}