--- title: State Farm Storm-Damaged Gutters in Kansas City | Premier Gutters KC description: Storm-damaged gutters and a State Farm homeowner's policy in Kansas City? Premier Gutters KC is your contractor — free written estimate, full install, 25-yr warranty. We are not a public adjuster. Call (816) 469-9563. source_url: https://premiergutterskc.com/insurance/state-farm/ site: Premier Gutters KC phone: (816) 469-9563 --- [Home](/) / [Storm-Damage Gutters](/insurance/) / State Farm KC's storm-damage gutter contractor # Storm or hail damage to your gutters? State Farm customers in Kansas City If a KC storm damaged the gutters on your home and you have a homeowner's policy with State Farm, here's what we do as a contractor and how a free written estimate fits into the process. **Premier Gutters KC is a gutter installation contractor — we do not file, handle, or negotiate insurance claims.** TL;DR You file your claim with State Farm. We come out, document the damage with photos, and give you a free written, line-itemed estimate to submit to your adjuster. If State Farm approves the claim, we replace your gutters with new seamless aluminum (or copper). You stay the claimant on your policy at all times. [Free written estimate →](https://clienthub.getjobber.com/hubs/b7392efd-eb98-49b7-9077-712d133c7108/public/requests/4823418/new) [Call (816) 469-9563](tel:+18164699563) ## What we do (and what we don't) Premier Gutters KC is a gutter installation contractor in the Kansas City metro. We're not a public adjuster, not a claims handler, and not affiliated with State Farm. We're the contractor you hire *after* your claim is approved. **What we do** - Free on-site inspection of storm damage to your gutters, downspouts, fascia, and soffit - Photo documentation of every dented, bent, or pulled-loose run - Free written, line-itemed estimate you can submit to State Farm with your claim - Be available as your contractor of record if you want us present during your adjuster's inspection - Full gutter installation once State Farm approves your claim — usually completed in 1–2 days - 10-year workmanship warranty on every install **What we don't do** - File your claim with State Farm (you file it yourself or with help from a licensed public adjuster) - Negotiate with adjusters on your behalf - Submit communications to State Farm for you - Bill State Farm directly or accept assignment of insurance proceeds - Promise that any specific claim will be paid or that any specific amount will be covered ## State Farm hail-damage questions homeowners ask in Kansas City Plain-language answers to the most common questions we get from State Farm customers across the KC metro — from Overland Park to Lee's Summit, Olathe, Liberty, Independence, Blue Springs, and Shawnee. ### Does State Farm typically cover hail damage to gutters in Kansas City? Most standard State Farm homeowner policies in Missouri and Kansas include coverage for hail and wind damage to gutters, downspouts, fascia, and soffit as part of the dwelling. Whether *your* specific policy covers it depends on the named perils, exclusions, and endorsements on your declarations page. Always check your policy with State Farm directly — we're a contractor, not an insurance advisor. ### Can I choose Premier Gutters KC as my contractor if I have Yes. Homeowners in MO and KS have the legal right to choose their own contractor for any covered repair. State Farm cannot require you to use a specific “preferred network” vendor. You hire the contractor, and your contractor works for you — not the insurer. ### How do I get a written estimate to submit to State Farm with my claim? Call us at (816) 469-9563 or request a free estimate online. We'll come out within 24–72 hours of a storm, walk your roof and gutters, photograph every point of damage, and send you a written, line-itemed estimate. You forward that estimate to State Farm when you file or as supporting documentation if you've already filed. ### What's the typical State Farm hail deductible on a KC homeowner policy? Most KC-area State Farm policies carry a wind/hail deductible separate from the standard all-perils deductible. Common ranges are ,000–,500, but some policies use a percentage-of-dwelling deductible (1%–2%) which can be significantly higher. Your declarations page lists your exact deductible. Confirm with State Farm before assuming anything. ### How long does a State Farm hail claim take in Kansas City? Typical timelines after a KC hail storm: filing to adjuster inspection takes 7–21 days; initial settlement issues 5–14 business days after inspection. Repairs can usually be scheduled within 1–2 weeks of you approving the settlement — most of our gutter installs are completed in a single day once we're scheduled. ### What if State Farm denies my hail claim or settles for less than the repair cost? You have options. You can request a re-inspection by a senior State Farm adjuster, invoke the appraisal clause in your policy, file a complaint with the [Missouri Department of Commerce & Insurance](https://insurance.mo.gov/) or the [Kansas Insurance Department](https://insurance.kansas.gov/), or hire a licensed public adjuster (they typically take 10–15% of any recovered amount). Premier Gutters KC is not a public adjuster — we cannot dispute the settlement for you. ### Will filing a State Farm hail claim raise my homeowner's rates? Hail damage is generally treated as a non-fault, weather-event claim. Most carriers including State Farm do not surcharge individual policies for a single weather claim. However, region-wide rates may rise after large storm events. This is a question for State Farm or an independent insurance agent — not us. ## How a State Farm-covered gutter repair works with Premier Gutters KC 1. 1**You file your claim with State Farm.** Use the State Farm app, website, or claims phone line. You're the claimant on the policy — only you can file. 2. 2**We come out for a free inspection & written estimate.** Usually within 24–72 hours. We document damage with photos and give you a written, line-itemed estimate you can submit to State Farm. 3. 3**You submit the estimate to State Farm.** You can also invite us to be present at your adjuster's inspection as your contractor of record — that's your call, not a requirement. 4. 4**State Farm approves and issues a settlement.** You sign off on the settlement. The funds go to you, not us. 5. 5**We schedule and install your new gutters.** Most KC residential gutter installs complete in a single day. Premium .032 seamless aluminum, color of your choice, 10-year workmanship warranty. 6. 6**You pay us; you submit the final invoice to State Farm.** Standard residential billing. You forward the final invoice and lien waiver to State Farm for any depreciation release. ## KC neighborhoods we serve for State Farm customers Premier Gutters KC works with State Farm customers across the entire metro: Overland Park, KS · Lee's Summit, MO · Olathe, KS · Liberty, MO · Independence, MO · Blue Springs, MO · Shawnee, KS · Lenexa, KS · Kansas City, MO · Kansas City, KS · Leawood, KS · Mission Hills, KS · Prairie Village, KS · Raytown, MO · Grandview, MO · Gladstone, MO · North Kansas City, MO · Belton, MO · Raymore, MO · Smithville, MO · [+ 50 more KC metro service areas](/service-areas/). ## Other carriers we work with as KC's storm-damage gutter contractor Same approach for every KC homeowner carrier — you file, we inspect, you submit, we install: [USAA gutter damage](/insurance/usaa/) [Allstate gutter damage](/insurance/allstate/) [Farmers Insurance gutter damage](/insurance/farmers-insurance/) [American Family Insurance gutter damage](/insurance/american-family/) [Liberty Mutual gutter damage](/insurance/liberty-mutual/) [Nationwide gutter damage](/insurance/nationwide/) [Progressive Home gutter damage](/insurance/progressive/) [Shelter Insurance gutter damage](/insurance/shelter-insurance/) [AAA Insurance gutter damage](/insurance/aaa-insurance/) ## Storm-damaged gutters in KC? Get a free written estimate. We'll come out within 24–72 hours of a storm, document the damage, and give you a free, written, line-itemed estimate you can submit with your State Farm claim. [Get Free Estimate](https://clienthub.getjobber.com/hubs/b7392efd-eb98-49b7-9077-712d133c7108/public/requests/4823418/new) [Call (816) 469-9563](tel:+18164699563)