{
  "version": "2026.05",
  "source": "https://premiergutterskc.com/insurance/",
  "license": "CC-BY 4.0 \u2014 contractor guidance only; verify with carrier or DOI.",
  "count": 20,
  "items": [
    {
      "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/"
    }
  ]
}