Maximize Your Insurance Payout & Protect Your Property with preventative measures

FREE Thermal Drone Scan & Insurance Maximization Report – Secure up to 19% more from your insurance payout without the stress, risk, or hassle. We handle everything—from inspection to claim negotiations—so your property stays functional with minimal downtime.

Voted Best in Texoma for 7 Years in a row

interested in replacing Gutters or Gutter Guards? Dodge These Costly Hiring Pitfalls

Hidden Fees & Skimpy Insurance claims

Insurers often lowball water damage claims, and shady contractors tack on surprise charges mid-job. We fight for max payouts and keep pricing crystal-clear—saving you thousands.

The K&M Difference:

We secure up to 19% more in insurance payouts on average.

No surprise fees—what we quote is what you pay.

Clog Chaos & Project Delays

Sloppy work or slow crews can flood your property with water backups, ruining landscapes and schedules. Our pros install fast and right, keeping your home safe and on track.

The K&M Difference:

Fast, precise inspections to detect issues early.

Repairs and replacements completed on schedule with minimal downtime.

Unlicensed Contractors & Legal Headaches

Unqualified hacks can botch your gutters, leaving you with leaky liabilities or fines if injuries strike. Our licensed team delivers top-tier work, fully insured, so you’re never left exposed.

The K&M Difference:

Fully licensed, insured, and OSHA-compliant for total peace of mind.

Work meets all industry codes to protect your investment.

5 star svg graphic

4.9 Star rating on Google and Facebook with 250+ reviews

Why Durable Gutters & Gutter Guards Are Your Property’s Unsung Heroes

Gutters and gutter guards channel water away, shielding your home or business from foundation erosion, roof rot, and basement flooding. In North Texas and Southeast Oklahoma, where storms hit hard, our expertly installed systems—paired with top-tier guards—cut maintenance hassles and protect your investment. Don’t let clogged or failing gutters drain your wallet; fortify your property with our proven solutions.

$30,000

Clogged gutters can trigger $30,000 in water damage repairs — foundation cracks and roof leaks pile up fast without proper flow.

33%

Leaks and structural failures are among the top reasons property owners file insurance claims—early action prevents costly downtime and damage.

How K&M Stacks up against the competition

K&M Roofing
(That's us!)
Other Roofing Companies
Maximized Insurance Recovery for Properties
No Hidden Fees or Surprise Costs
Customized Gutter and Gutter Guard Asset Management Plans
FREE Thermal Drone & Infrared Scans for Early Leak Detection
Advanced Moisture Mapping & Structural Integrity Reports
24/7 Emergency Leak Response & Repairs
Minimal Disruptions with Fast Turnaround
Experienced with Multi-Building & Large-Scale Systems
Certified to Work with TPO, PVC, EPDM & Metal Roofs
Licensed, Insured, and Compliant with All Building Codes
Priority Service & Annual Maintenance for Long-Term Cost Savings
Best in Texoma for 7 Years in a Row

Trusted and Certified by top industries nation wide

How Much Do Gutters & Gutter Guards Cost with K&M?

Your gutter project’s price hinges on size, materials, and storm damage coverage — variables we masterfully align to save you money. Our detailed inspections pinpoint needs, and we work with your insurer to max out claims, often slashing your costs by thousands. Get top-notch gutters and guards without the financial sting — K&M makes it happen.

50% Savings with Insurance Mastery - Reduce your costs with our expertise—many overpay when insurers lowball water damage claims. We negotiate hard to secure every dime you deserve.

$40,000 Avoided with Smart Upgrades - Long-term savings kick in when we stop clogs and leaks early—proactive gutter guards prevent $40,000 in foundation and roof repairs.

0% Stress with Budget-Friendly Plans - Cost-effective solutions for all—whether it’s guards or full gutter installs, our flexible financing keeps your property safe without breaking the bank.

K&M's Process for Gutter Protection, Insurance Wins, and Damage Prevention

1. SPOT HIDDEN WATER THREATS

Gutter issues often hide until it’s too late — overflow can seep into foundations or rot your roofline. Our experts scour your property, tracing silent water paths along walls, eaves, and baseboards to catch trouble early, saving you from costly surprises.

2. FULL GUTTER SYSTEM CHECK

Effective gutters demand a deep dive. We inspect every inch — downspouts, seams, and guards — using high-res imaging to document clogs, cracks, or weak spots. This detailed rundown ensures we craft a fix that keeps water flowing and your home secure.

3. DRONE-POWERED GUTTER INSIGHTS

What’s brewing above could cost you big. Our drones, armed with thermal tech, scan for pooling water, debris buildup, and unseen damage along your gutters. This next-level inspection reveals risks standard checks miss—stopping disasters before they drain your wallet.

4. PINPOINT & PROVE THE PROBLEMS

No vague hunches here — just exact data. Drone imagery maps every gutter flaw with precision, backing up insurance claims and repair plans. We turn chaos into clarity, ensuring small issues don’t balloon into $30,000 headaches.

5. GUTTER FIXES & GUARD UPGRADES

Insurance battles shouldn’t be your burden. We fight for you, installing or repairing gutters and guards to top standards while securing 25% more in claim payouts on average. Your property stays protected, and you stay stress-free.

6. BOOST YOUR GUTTER LONGEVITY

Act now, save later — proactive gutter care dodges $40,000 in future repairs. By clearing blockages and adding guards, we extend your system’s life, keeping water damage at bay and your investment rock-solid.

Trusted Gutter & Gutter Guard Experts Committed to Excellence

Customers Served

5,000+

We’ve helped thousands of customers safeguard their properties with expert gutter and gutter guard solutions, ensuring long-term protection and performance.

Insurance Claim success rate

100%

We consistently secure maximum insurance payouts, ensuring property owners receive full coverage for gutter repairs and replacements—minimizing out-of-pocket costs.

work and materials Warranties

10+ Years

Our industry-leading warranties on materials and workmanship give property owners confidence that their investment is protected for years to come.

Gutters and Gutter Guards FAQs – Everything You Need to Know

Isn’t gutter and gutter guard replacement too expensive? I can’t afford it right now.

We understand that full gutter and gutter guard replacement is a significant investment for any property owner. However, delaying necessary repairs can lead to severe structural damage, costly disruptions, and even code violations. At K&M Roofing and Construction, we work directly with your insurance provider to secure the highest possible payout—on average, 19% more—so you don’t leave money on the table. Additionally, we offer flexible financing options tailored for your property, ensuring you get the protection you need without straining your budget.

Can I just patch up the damage instead of fully replacing gutter and gutter guard?

In some cases, a repair may be a short-term solution, but hidden issues like trapped moisture, unnoticed clogs, rust, and undetected leaks or crack can worsen over time —leading to costly interior damage and disruptions. That’s why we conduct free thermal drone inspections and moisture mapping to assess whether a repair is viable or if a full replacement is necessary. If a replacement is needed, we’ll help you navigate the insurance process to ensure maximum coverage with minimal out-of-pocket costs.

Do you offer financing or payment plans for gutter and gutter guard projects?

Yes, we provide tailored financing solutions for all types of properties. Whether insurance covers part of your project or you need additional financial flexibility, we offer low monthly payment plans and deferred payment options to help you budget effectively. Durable, damage-free gutters and gutter guards are essential for protecting your assets and maintaining peace of mind, and we make it as easy as possible to afford the best solution for your property.

What if my insurance doesn’t cover the full cost?

Insurance companies often undervalue claims or deny coverage for essential repairs. That’s why we take care of claim negotiations, adjuster meetings, and supplemental filings to ensure you receive the full amount you’re entitled to. If a gap remains, we offer strategic financing solutions to bridge the difference. Unlike many contractors who leave property owners to deal with insurance alone, K&M Roofing and Constructin handles everything—so you don't have to battle insurers.

How do I know I’m getting a fair price and not being overcharged?

We operate with full transparency and use industry-standard pricing software (Xactimate) that aligns with what insurers recognize as fair costs. Our detailed inspections, expert assessments, and itemized estimates ensure you receive the best value for your investment. With over 60 years of combined experience, a track record of securing top-dollar insurance settlements, and a commitment to high-quality materials, you can trust that we are focused on delivering cost-effective, long-term solutions for your property — not upselling unnecessary work.

How do I know I can trust K&M?

At K&M Roofing and Construction, we understand that trust is everything when choosing a contractor. With over 60 years of combined experience and a reputation built on integrity, transparency, and superior craftsmanship, we’ve earned the trust of property owners throughout the region. We are fully licensed, insured, and an Owens Corning Platinum Preferred Contractor, ensuring your project is in expert hands. Unlike out-of-town storm chasers, we’re a local company committed to long-term service, and our satisfied clients can vouch for our reliability and quality work.

I’ve heard horror stories about construction and contracting scams. How do I avoid getting ripped off?

The construction industry, unfortunately, has its share of unreliable contractors. That’s why we prioritize transparency and accountability in every project. K&M Roofing and Construction provides detailed, written estimates, a clear scope of work, and absolutely no hidden fees. Unlike pop-up companies that follow storms, we have a long-standing reputation, hundreds of successful projects, and verifiable credentials. We encourage property owners to verify our licensing, read customer reviews, and compare us to other reputable contractors before making a decision.

Will my property be protected during the installation?

Yes. We know that construction projects can disrupt usual activity, so we take every precaution to minimize downtime and protect your property. Our team secures job sites, safeguards HVAC units, and prevents debris from affecting your property. We use heavy-duty tarps, magnetic nail sweepers, and a strict cleanup process to ensure your property is left clean and hazard-free. Additionally, we coordinate with you to create a plan that allows for minimal disruption to your daily rhythms.

What if there are hidden costs that I wasn’t expecting?

With K&M Roofing and Construction, there are no surprise costs or hidden fees. Our team provides detailed, itemized estimates upfront, so you know exactly what’s covered before work begins. If we uncover unforeseen issues — such as moisture damage or structural concerns — we bring them to your attention immediately and discuss the best solutions before proceeding. Our commitment is full transparency so you can make informed decisions without pressure or unexpected financial burdens.

My windows and doors aren’t obviously right now—can’t I just wait?

Even if your windows and doors aren’t obviously damaged, hidden damage could be getting worse. Small cracks, seam separations, and hail damage may not show immediate signs of failure, but over time, they weaken your siding's structure. Left unaddressed, this can lead to interior leaks, insulation damage, mold growth, and costly repairs. Acting now helps prevent expensive damage to the quality of your property.

How do I know if my windows and doors really needs replacement?

A professional inspection is the only way to know for sure. Signs that your windows and doors may need replacement include: trouble closing and opening them, cracks, unwelcome noises, or rusted metal fixtures. Even if everything looks intact, our team uses thermal drone scans and advanced moisture detection to identify hidden issues beneath the visible surfaces that could lead to major failures in the future.

What happens if I delay window and door repairs or replacement?

Delaying necessary repairs can increase costs, reduce your windows' and doors' lifespans, and risk insurance claim denial. Small problems often escalate into major structural damage, causing higher energy costs, interior water damage, and safety risks for any one on your property. Insurance companies may also refuse to cover repairs if they determine the damage was worsened by neglect.

Can I wait until next year to fix my windows and doors?

Postponing window and door repairs or replacement could cost you more in the long run. Insurance companies often impose strict claim filing deadlines (typically 6 to 12 months after a storm), and failing to act in time could mean paying out of pocket. Additionally, construction material costs tend to increase year over year, making future replacements significantly more expensive.

Will my insurance still cover the damage if I wait too long?

Insurance companies expect timely action from property owners. If you delay filing a claim, they may argue that neglect, not storm damage, caused the issue—leading to partial or even full claim denial. By scheduling a free inspection now, you can document damage before it worsens and lock in your eligibility for coverage.

Is it really worth it to file an insurance claim?

Yes—if your gutter and gutter guards are damaged, your insurance policy is designed to protect your investment. A full gutter and gutter guard replacement can cost tens or even hundreds of thousands of dollars, but if you have covered damage, your only out-of-pocket expense is your deductible. Many property owners unknowingly leave thousands of dollars in coverage on the table by not filing a claim. Our team ensures you get every dollar you’re entitled to while minimizing disruptions to your quality of life.

How long does the insurance claim process take?

The timeline varies, but most claims are resolved within 2 to 8 weeks. The process typically follows these steps:

  • 1-3 days: You file a claim with your insurance provider.
  • 1-2 weeks: The insurance adjuster inspects the gutter and gutter guard.
  • 1-3 weeks: The claim is processed, and the first payment is issued.
  • 1-4 weeks after completion: Your final insurance payment is released.

Having an experienced contractor like K&M Roofing and Construction speeds up the process and ensures nothing is missed, so you receive the full payout you deserve.

Will my insurance rates go up if I file a claim?

Storm damage claims typically do not increase your individual rates because they are considered “Acts of God” and not the fault of the property owner. However, if an area experiences widespread damage, insurance companies may adjust premiums for the entire region over time. Delaying repairs or ignoring damage could cost you far more in the long run.

What if my insurance adjuster says the damage isn’t bad enough to cover?

Insurance adjusters work for the insurance company—not for you. If your adjuster underestimates or denies the claim, you have options. We fight for property owners by providing: A detailed damage report using thermal drone scans and high-resolution imaging. On-site representation during inspections to ensure all damage is properly documented. Assistance with claim appeals and re-inspections to challenge underpaid or denied claims. If needed, we can also connect you with a public adjuster to negotiate on your behalf and ensure you receive full coverage.

Do I have to use the contractor my insurance company recommends?

No — you have the legal right to choose your own contractor. Some insurance companies push preferred vendors who may prioritize cost-cutting over quality. By choosing K&M Roofing and Construction, you get a trusted construction expert who works for you, not the insurance company. We ensure your claim covers everything necessary for a durable, long-lasting siding upgrade—without hidden shortcuts.

How long does installation take?

The timeline depends on the size of the property, the complexity of the gutter and gutter guards system, and weather conditions. Most gutter and gutter guard repairs can take anywhere from a few days to several weeks. Factors such as material selection, existing damage, and the need for additional structural repairs can also affect the schedule. Before starting, we provide a clear project timeline so you know what to expect.

What is the installation process like?

A successful gutter and gutter guard installation requires a step-by-step approach to ensure long-term durability and minimal disruption. Our process includes:

  • Identifying damage to determine the source of functional problems.
  • Comprehensive inspection to assess existing conditions.
  • State-of-the-art drone inspection with thermal imaging to detect hidden damage.
  • Precision problem location & documentation for accurate repair recommendations.
  • Addressing problematic areas with targeted repairs to extend the life expectancy of your entire siding system.
Will my property be protected during the process?

Yes. We take extra precautions to ensure your property, including parking areas and landscaping, are protected throughout the project. Our team uses protective barriers, debris management systems, and thorough cleanup procedures to minimize disruption to the quality of your property.

What happens if unexpected issues are found during installation?

If we uncover hidden structural damage, trapped moisture, or deteriorating insulation, we will immediately communicate our findings. We provide detailed documentation and solutions before proceeding so you can make informed decisions. Our goal is to prevent long-term damage and ensure your gutter and gutter guards remain a reliable investment.

Do I need to be present during the installation?

In most cases, it’s not necessary to be present during the installation. We work to minimize disruptions and can schedule work at convenient times for you. Our team will ensure all safety protocols are followed to protect your property while you continue with your daily activities. However, we recommend being available for any important communications or decisions that may arise during the process.

Will the installation be noisy or disruptive?

Yes, construction work can be loud, but we take measures to limit disturbances. We coordinate with property owners to establish quiet periods if necessary and use best practices to complete the work as efficiently as possible.

What should I do to prepare for installation day?

To ensure a smooth process, we recommend:

  • Informing everyone who frequents the property about the project timeline.
  • Securing valuable items or belongings that could be affected by vibrations.
  • Designating an area for materials and crew access.
  • Reviewing safety protocols with everyone at the property to ensure everyone feels comfortable and safe during the project.
What happens after the installation is complete?

Once your siding is installed or repaired, we:

  • Conduct a final walkthrough and quality assurance inspection.
  • Provide detailed documentation and warranty information for your records.
  • Perform a thorough cleanup, including a magnetic nail sweep to ensure no debris is left behind.

Still have questions?

Contact us on our contact form or give us a call at (903) 870-6748 for any questions

Get a Free Gutter and Gutter Guard Inspection & Maximize Your Insurance Payout

Don’t risk missing hidden damage or leaving money on the table. Our experts provide a free, no-obligation gutter and gutter guard inspection with thermal drone imaging, ensuring your insurance covers everything it should. Schedule your inspection today—before deadlines approach!

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The K&M Insider

Stay informed with the latest in roofing, insurance restoration, and exterior home improvements. From protecting your home after a storm to enhancing your outdoor space, our expert guides and industry insights help you make the best decisions for your property.

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