2026 Oregon Home Award WinnerYes, we work with insurance claims. If your kitchen, bathroom, basement, or the structure of your house has to be rebuilt after water, fire, or storm damage, K&H Construction does the rebuild once the mitigation crew has finished drying the house out. You get an itemized estimate your adjuster can read line by line, we pull the permits, and we bill you, the homeowner, so you pay from the funds your carrier releases. Licensed, bonded, and insured, Oregon CCB #233813 (verify).
What We Do, and What We Don’t
- ✓ We rebuild after mitigation. Kitchens, bathrooms, basements, drywall, flooring, paint, cabinetry, and the structural framing underneath, back to finished and inspected.
- ✓ Water, fire, and storm damage. The cause changes the scope, not the way we work.
- ✓ Structural and dry rot work included. If the water had been there a while, the framing is often part of the job. That is our specialty, with an engineer and permits when it reaches structure.
- ✓ We do not do the dry-out. Water extraction, drying, demolition of wet material, and mold remediation are mitigation work. Your carrier’s mitigation company, or one you choose, does that first. We start when they sign off.
- ✓ We do not bill your insurance company. We bill you as the work progresses, and you pay from the claim funds your carrier pays out to you. That keeps the contract simple: you are our client, not the carrier.
How an Insurance Rebuild Works With Us
Mitigation first
A mitigation company dries the structure and removes what is wet or burned. We come in after that, when the house is dry and the damage is fully visible.
The adjuster’s scope
Your carrier’s adjuster writes a scope of work and an estimate. In our experience adjusters prefer to deal with you directly, so you stay in the middle. Send us the scope.
Our itemized estimate
We walk the house, open anything mitigation left closed, and write a line-item estimate in the same order as the adjuster’s scope, so the two are easy to compare side by side.
If the numbers differ
Carriers price from their own databases, and those numbers do not always match what the work costs in Portland. When the gap is real, you have three honest paths: pay the difference, ask the adjuster to revise the scope using our estimate and photos as support, or get another bid. We tell you which one we think is fair.
Permits and the rebuild
Permits where the work requires them, inspections as we go, and one of the owners running the job. Everything we open gets photographed, which is also what you need if the claim is ever questioned.
Upgrades beyond the claim
If the kitchen is coming apart anyway, this is the cheapest moment to get the kitchen you actually want. Improvements beyond the claim’s scope are billed as their own line items, kept separate from the claim work on the paperwork.
Have an adjuster’s scope in hand?
Send it with your request and we will walk the house and give you a line-item estimate to compare. Response within one business day.
A Claim That Became a Kitchen: Richmond, SE Portland
An insurance claim on a Richmond kitchen started the way most do: rebuild what was damaged, to the adjuster’s scope, back to the way it was. The homeowners looked at a kitchen that was already coming apart and decided this was the moment to get the one they wanted. The claim paid for the rebuild it covered, and they paid out of pocket for the improvements beyond it. One crew, one permit, one schedule, two sources of funds, kept separate on every invoice. That is the pattern we see most often, and it is the reason to call a remodeling contractor for an insurance rebuild rather than a patch crew: when the finish work is done, you have a kitchen, not a repair.
What We Need From You
- ✓ The adjuster’s scope and estimate, usually a PDF.
- ✓ The mitigation company’s report, including moisture readings and photos if they provided them.
- ✓ Your claim number, for our paperwork.
- ✓ A sense of what you would like to improve while the space is open, if anything.
Why Homeowners Mid-Claim Call Us
The owners who write your estimate are the people who build the job. We photograph everything we open up, pull the permits the work requires, and put our workmanship warranty in writing. We are a licensed, bonded, insured Oregon general contractor and a BBB Accredited Business, and our Sabin second-story addition won Oregon Home’s Structure + Style award for 2026. Read our Google reviews, then send us the scope.
Insurance Rebuild FAQ
Do you work with insurance claims?
Yes. We rebuild kitchens, bathrooms, basements, and structure after water, fire, and storm damage once mitigation is complete. You get an itemized estimate your adjuster can read, we handle the permits, and we bill you as the work progresses so you pay from the funds your carrier releases.
Do you do water damage cleanup, drying, or mold remediation?
No. That is mitigation work, done by a mitigation company before we start. We are the rebuild contractor: we take over when the structure is dry and the demolition is done, and we bring the house back to finished.
Do you bill my insurance company directly?
No. Our contract is with you. We bill you as the work progresses, and you pay from the claim funds your carrier pays out to you. It keeps the arrangement simple and keeps you in control of the job.
What if your estimate is higher than the adjuster’s?
It happens, because carriers price from their own databases rather than Portland market prices. You have three honest options: pay the difference, ask the adjuster to revise the scope using our line-item estimate and photos as support, or get another bid. We will tell you which we think is fair for your situation.
Can I upgrade beyond what the insurance covers?
Yes, and many homeowners do, because the space is already open. Improvements beyond the claim’s scope are written as separate line items and paid out of pocket, so the claim work and the upgrade work stay clearly separated on the paperwork.
Do you rebuild after fire and storm damage, or only water?
All three. Water, fire, and storm damage change what has to be rebuilt, not how we work. The scope follows the claim and whatever you choose to add.
Will you talk to my adjuster?
Adjusters generally prefer to work directly with the homeowner, so you stay in the middle. We review the scope with you, document everything we open, and answer the adjuster’s questions when they come to us.
How soon can you start after mitigation?
As soon as the mitigation company has signed off that the structure is dry and we have the adjuster’s scope. We walk the house, write the estimate, and schedule from there.
Is dry rot covered by insurance?
Usually only when it results from a sudden, covered water event. Slow leaks and long-term moisture are typically treated as maintenance. Every policy differs. Our dry rot repair cost guide covers what the repair itself runs.
Mid-claim and need a rebuild? See our kitchens, our bathrooms, and our structural work, then send us the adjuster’s scope and request an estimate.
