Read Me First — About This Blog

I am a licensed Missouri public adjuster — not an attorney — and the content on this site reflects that perspective. Before reading further, please understand what this blog is and is not.

This blog provides general information only. Nothing published here makes up legal advice, public adjusting advice specific to your claim, or a recommendation for any particular course of action. Insurance policies differ significantly, and carriers often interpret and apply the same policy language differently — and inconsistently. What is true in one claim may not be true in yours. I make no representation that any information here is accurate, complete, current, or applicable to your specific circumstances.

Reading this blog does not create a professional relationship. Using this site does not establish a public adjuster/client relationship between you and James H. Bushart or James H. Bushart, Public Adjuster LLC.

You are responsible for evaluating whether this information applies to your situation. By continuing to use this blog, you acknowledge that its content is general in nature, that your policy and circumstances may differ materially from anything described here, and that you should seek direct professional consultation before taking any action on your claim. James H. Bushart and James H. Bushart, Public Adjuster LLC accept no responsibility for any decision made in reliance on content published here.

When to contact a professional directly: If your claim has been denied, underpaid, or you have received an engineering report you believe is inaccurate, general reading is not the right tool. Call me at 314-803-2167 for a free telephone consultation, or consult a licensed attorney. Missouri residents can access free brief legal advice through the ABA Free Legal Answers program.

With those terms understood, I hope you find the content a useful starting point for your research.