Emergency Response

Same Day

Asbestos testing (if required)

12-48 hours for testing and results

Demolition after negative test

Within 48 hours

Dry-out Period

3-5 days

Documentation and insurance review

 2-6 weeks

Reconstruction

Varies based on scope of repairs

Stop the Damage

As the property owner, your priority is to take reasonable steps to stop the source of the damage and prevent further loss (contact plumber etc).

If it is safe to do so, take immediate measures to protect the property. Do not put yourself or others at risk. Once the immediate threat is controlled, contact K&D Development to begin the professional mitigation process.

Contact K&D Development

A qualified restoration contractor from our team will assess the damage, identify immediate safety concerns, and help determine the most appropriate next steps. In many cases, mitigation work must begin immediately to prevent additional damage to the property. 

File the Insurance Claim

Contact your insurance carrier or use their mobile app to report the loss and obtain a claim number.

– This information needs to then be given to K&D Development, so we can work with your insurance claim adjuster on your claim.

Asbestos Testing (when required)

If more than 32 square feet of drywall or regulated building materials are affected, asbestos testing must be completed before demolition can proceed, regardless of the age of the home. This is a law required by the EPA and CDPHE.

• Testing samples are collected and sent to a certified laboratory.
• Results are typically returned within 12-48 hours.
• If results are negative, demolition typically begins within 48 hours of receiving the lab report.
• If results are positive, specialized asbestos abatement teams must be dispatched to safely remove and dispose of the asbestos-containing materials before mitigation can continue.

Mitigate the Damage

Mitigation is considered an emergency service and is performed to prevent further damage to the structure. Depending on the loss, this may include:



• Emergency water extraction
• Roof tarping
• Board-up services (windows or doors)
• Controlled demolition of damaged materials
• Strategic placement of drying equipment

Because mitigation is an emergency service and the full scope of work is often unknown at the beginning, mitigation invoices are not prepared until the work has been completed and all documentation has been collected.

Dry-Out Process

Typically equipment is set before asbestos testing has been completed, in order to start the dry out process and stop further damage from occurring.

After demolition is completed, drying equipment remains in place to ensure the structure reaches appropriate moisture levels.

• Drying equipment typically remains on-site for 3-5 days after demolition is completed, depending on conditions and moisture readings.
• Daily monitoring may be performed to verify drying progress.
• Once target moisture levels are achieved, mitigation is considered complete, and all equipment is removed from the property. All work stops until we gain an approved reconstruction scope of work from your insurance.

Estimate Preparation

Once mitigation is complete, both the mitigation invoice and reconstruction estimate are created.

These documents are supported by:

• Moisture readings
• Drying logs
• Photo Reports
• Material testing results
• Project documentation
• Signed Work Authorization

The complete package is then submitted to the insurance carrier for review.

Insurance Inspection

This is typically the stage when the insurance adjuster requests to inspect the property and review the documented damages.



It is important that a representative from our team is present during the adjuster inspection to:

• Answer questions regarding the loss
• Explain mitigation procedures performed
• Review documented damages
• Ensure both parties understand the full scope of necessary repairs
• Help align the insurance scope with the actual restoration requirements following city codes and industry standards.

Scope Review & Negotiations

The contractor and insurance carrier review the proposed scope of repairs and supporting documentation.

The goal is to reach agreement on the work necessary to restore the property to its pre-loss condition.

Negotiations and scope alignment typically take 2-6 weeks, though timelines can vary depending on claim complexity/ or size and carrier responsiveness.

We do not start reconstruction until we have an approved scope of work, to ensure the work being completed is covered by your claim, and if it is not, you will be made aware of what is not covered and given an option to pay out of pocket (if necessary). We work hard to come to an agreement on the scope of work so we can move efficiently with restoring your home to its pre-loss condition.

There is a chance during this time unforeseen items are found, and will be supplemented. We work with your adjuster to communicate these items and get them approved to continue to move through the project and for the insurance company to cover it financially where applicable.

Insurance Approval

Once the scope and pricing have been approved, the insurance carrier will release the mitigation payment in full and issue the initial claim payment for the reconstruction portion. ( ACV)

Actual Cash Value (ACV) Payment

Most policies initially release the Actual Cash Value (ACV) payment, which generally reflects the approved repair costs less applicable depreciation and the policy deductible.

Mortgage Company Requirements

If a mortgage exists on the property, insurance checks may be issued jointly to the homeowner and mortgage lender.

Additional endorsements or lender processing may be required before funds can be released.

Reconstruction Funding

Once the insurance carrier releases the ACV payment:



• Our team collects the ACV funds issued by the insurance company.
• The homeowner pays their deductible as required by the policy.
• These funds are then applied toward the reconstruction phase of the project.

Reconstruction Begins

Upon receipt of approvals and funding, reconstruction work begins.



Our team completes the repairs necessary to return the property to its pre-loss condition.

Supplemental Items

If additional unforeseen damage is discovered during reconstruction, a supplemental request may be submitted to the insurance carrier for review and approval before the repairs are performed.

Project Completion

Once all approved work has been completed:



• A final walkthrough is conducted.
• The homeowner and project manager sign a Certificate of Completion (COC) confirming the project has been completed in accordance with the approved scope of work.
• Final documentation is submitted to the insurance carrier to close the claim and release the depreciation. 

Recovery of Depreciation (RCV)

After receipt of the Certificate of Completion and final invoicing, the insurance carrier reviews the completed project and releases any eligible Recoverable Depreciation, also known as the Replacement Cost Value (RCV) payment.



• This concludes the restoration process and confirms that the property has been restored to its pre-loss condition.