MISSOURI
Roofing supplement and appraisal clause resources for Missouri contractors and homeowners.
APPRAISAL CLAUSE IN MISSOURI
Missouri insurance policies include appraisal clauses for resolving disputes about loss amounts. Missouri courts have upheld the enforceability of these clauses, providing an efficient dispute resolution mechanism.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN MISSOURI
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Missouri:
Tornado damage in the St. Louis and Kansas City areas is often underscoped
Hail damage assessments frequently miss soft metal damage
Labor rates don't reflect post-storm demand surges
Older homes with unique construction are often undervalued
COMMON STORM TYPES
MISSOURI TIPS
- Missouri is in Tornado Alley - document property condition regularly
- Hail damage to gutters and soft metals is often missed
- St. Louis and Kansas City have different building code requirements
- Understand your policy's coverage for tornado damage