One question, asked carefully
A property claim raises plenty of questions: what happened, what the policy covers, who pays. Missouri Insurance Appraiser works on just one of them, the amount of loss. What does it honestly cost to put this building back the way it was? Depending on the claim, we act as your appointed appraiser, review an insurer’s estimate before a dispute hardens, or serve as a neutral umpire on a panel where we represent neither side.
How we work
- Inspect first, compare later. We measure and document the damage before we read anyone else’s numbers.
- Defensible beats impressive. An inflated estimate falls apart in front of an umpire. We price what we can support line by line.
- Reports you can follow. You’ll understand every difference between our valuation and the insurer’s.
- Straight answers on fit. If your claim needs a Missouri attorney, a public adjuster or just a supplement request, we say so.
- Fees in writing. You know the cost and how it’s calculated before work starts.
Who we work with
Homeowners, landlords, condo and HOA boards, property managers, churches, business owners, contractors and attorneys across Missouri. On any one claim we serve in a single role, and we disclose prior dealings with the other appraiser or the umpire.
What we are not
We aren’t a law firm and we don’t give legal advice. We don’t act as public adjusters or negotiate claims outside the appraisal process. We don’t guarantee outcomes; no honest appraiser can.
Why statewide
Missouri produces nearly every kind of property loss in one state: spring hail in the Kansas City and St. Louis suburbs, tornadoes from Joplin to St. Charles County, ice storms across the Ozarks, sinkholes on karst ground, river flooding along the Missouri and Mississippi, and the background question of the New Madrid seismic zone. Working all 114 counties and the City of St. Louis keeps us current on all of them. For questions about the state’s insurance rules, the Missouri Department of Commerce and Insurance publishes consumer guidance and accepts complaints.
