Standing up alone for yourself, your family, or your business against a multi-billion-dollar insurance company and its unlimited resources can be intimidating. Sometimes it takes more than just having the truth on your side to prevail. Having an “equalizer” on your side – someone who has succeeded many times in the same battle as yours – can make a difference.
Who I Am.
My name is Jim Bushart, and I am the Missouri licensed public adjuster you will speak to when you call. I negotiate residential and commercial insurance claim settlements with insurance companies on behalf of Missouri policyholders for damage and loss from all insured perils.
What I Do.
I represent Missouri policyholders and specialize in claims that have been denied by insurance companies, including denied claims that used reports from engineers to support the denials.
I have turned millions of dollars of insurance claim denials into paid claims. I have reopened closed claims that paid policyholders only hundreds of dollars and re-negotiated final payments of hundreds of thousands of dollars after a thorough investigation and the use of correct and effective interpretations of policy coverage language.
When you call me, you are not dialing an “800 number” that will be answered out of state. Your contact information will not be collected and sold to a public adjuster network. I answer my own phone when you call, I am licensed only in Missouri, and do not adjust claims for policyholders outside of Missouri.
As an advocate for the truth, I have acted as both fact witness and expert witness for policyholders who have sought relief through the court for the wrongful use of engineer reports by their insurance companies to deny their claims for property damage.
I have also reviewed claims and advised policyholders and contractors when the decisions made by their insurance company were reasonable and I will explain to them why. Sometimes, unbelievably, insurance companies get it right. When they do, I’ll tell you.
How I Can Help You.
Over the last decade, I have earned the trust of policyholders, contractors, and attorneys who seek my service and advice to achieve fair and reasonable settlements of insurance claims without lengthy and expensive litigation for themselves as well as their clients.
My background as a Department of Defense claims adjuster/paralegal, Certified Building Analyst, and municipal residential and commercial building inspector provides me with the background, knowledge, experience, and skills necessary to correctly interpret and apply insurance policy language and requirements to damaged Missouri private and commercial structures.
Rather than settling on a “middle ground” compromise between two estimates, I have developed a technique that is unique among public adjusters; one that often results in full payments that address the full cost of restoring damaged property to its pre-damaged condition, instead of lowballed or “ballpark” estimations made by insurance adjusters.
Not every insurance claim requires hiring a public adjuster, but when unfair treatment by your insurance carrier is strongly suspected or confirmed, or when your claim is complicated and difficult to correctly present, I can help you.
Free Telephone Consultation for Missouri Policyholders
You will notice that this is NOT an 800 number that rings out of state to a national office that will sell your contact information to a public adjuster in your local area. I answer my own phone.
Serving all of Missouri and only Missouri.
Columbia, Springfield, St. Louis, Kansas City, St. Charles, Rolla, Moberly, Wildwood, Union, Washington, Lebanon, Hazelwood, Florissant, and more.
(The business entity, James H. Bushart, Public Adjuster LLC, and Jim Bushart are both individually bonded and licensed by the Missouri Department of Insurance.)