Not always the final answer.
Insurance companies deny and underpay claims every day in Missouri. If you’ve received a denial letter — or a settlement that doesn’t cover your losses — you’re not alone, and you’re not out of options.
As a licensed Missouri public adjuster, I represent policyholders in exactly this situation. My job is to review what happened, challenge what’s wrong, and negotiate the settlement you’re owed under your policy.
Call for a free claim review: 314-803-2167
Why Claims Get Denied in Missouri
Pre-existing damage — A common tactic after hail and wind storms. Often rebutted with documentation and independent inspection.
Wear and tear — Insurers use this to avoid paying for damage that should be covered. There’s a significant difference between normal aging and storm damage.
Misapplied exclusions — Insurance companies sometimes apply policy exclusions too broadly or in ways that contradict your actual coverage.
Missed damage — Damage to ceilings, siding, gutters, HVAC, and outbuildings is frequently overlooked or undervalued.
Late reporting — Sometimes used as grounds for denial even when the policy language doesn’t clearly support it.
What a Public Adjuster Can Do
Here’s what I do when I take your case: review your policy line by line; conduct an independent inspection; prepare a detailed claim package; negotiate directly with the insurer; and represent you through the appraisal process if necessary.
I hold the SCLA designation, I’m a member of NAPIA, and I’ve been representing Missouri policyholders since 2012.
No Upfront Cost
I work on contingency. You pay nothing unless I recover more than the insurance company has already offered. No risk in calling.
Don’t Wait — Deadlines Apply
Missouri insurance policies have strict time limits for disputing denials. Contact me as soon as possible after receiving a denial or low settlement offer.
James H. Bushart, Licensed Missouri Public Adjuster
MO License #8207067 | SCLA | NAPIA Member
314-803-2167 | missouripublicadjuster.org
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