General information only
This website is educational and general. It describes how insurance appraisal commonly works, but your policy’s wording controls. Always read your own policy and endorsements.
Not a law firm, not a public adjuster
Missouri Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
No guarantee of results
Every claim is different. Example figures on this site are illustrative and aren’t results for any client. No appraiser can guarantee an award.
Statutes, agencies and events
References to Missouri statutes (including the vexatious refusal provisions), the Department of Commerce and Insurance, the Missouri FAIR Plan, geology or past storms are for context only and are described in general terms. Verify current law and facts with official sources and a Missouri attorney.
Deadlines
Policies contain deadlines for notice, proof of loss, naming an appraiser, depreciation recovery and lawsuits. Nothing here extends or changes a deadline. If one is approaching, consult an attorney promptly.
Photographs
Photos on this site are public-domain and CC0 images used for illustration. They don’t show our clients’ properties.