Kansas law (K.S.A. 40-5501) limits public adjusters to commercial property claims only. For Kansas commercial property owners — apartments, retail, industrial, agricultural commercial — when your insurance company underpays, delays, or denies a claim, William J. Addis represents you, never the insurer.
Kansas is in the heart of Tornado Alley. Severe storm events here cause catastrophic damage that often spans entire neighborhoods and commercial districts — the kind of widespread loss insurance carriers attempt to manage by lowballing scope.
Common Kansas commercial claim types we handle: apartment and multifamily storm damage; commercial roof systems (TPO, EPDM, modified bitumen); agricultural commercial buildings; retail and office property damage; warehouse and industrial losses; commercial business interruption. Note: Kansas law does not authorize public adjusters to represent residential homeowners on personal homeowners insurance — only commercial property claims.
Kansas storm season produces some of the most significant commercial property losses in the country, particularly for apartment complexes, retail centers, industrial properties, and agricultural commercial operations.
Important Kansas disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #18667143). If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
William J. Addis is licensed as a non-resident public insurance adjuster in Kansas (license #18667143).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Kansas law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Kansas requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Illinois, Rhode Island, Colorado and Minnesota. In Kansas, services are provided by William J. Addis under his individual license. We are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Kansas insurance regulator. License lookup links and contact information for the Kansas insurance department are available on our Legal Disclaimers page.
Kansas sits squarely in Tornado Alley and one of the most active hail corridors in North America, averaging approximately 312 hail events per year and roughly $32.8 million in annual hail damage. Commercial properties — apartment complexes, retail centers, agricultural operations, schools, churches, and warehouses across Wichita, Topeka, Kansas City, and Overland Park — bear substantial repeat exposure.
The events driving Kansas commercial claim work:
Hailstorm frequency. Kansas averaged roughly 21.4 days of 2-inch-or-larger hail per year between 2020 and 2024. Commercial roof systems — TPO, EPDM, modified bitumen, metal — are particularly vulnerable to hail and require specialized inspection.
Tornado activity. Kansas remains one of the most tornado-active states in the country. The 2024 spring season produced multiple major tornado events. In one 24-hour period in 2024, 13 tornadoes were reported across Kansas, Tennessee, Illinois, Kentucky, South Dakota, and Missouri.
Straight-line wind events. Severe thunderstorm wind events frequently accompany hail and produce damage to commercial roofs, signage, HVAC equipment, and building envelopes. The damage often appears subtle on initial inspection but worsens over time.
Winter weather. Ice and snow loads on commercial flat roofs create structural stress and water-intrusion losses. Pipe bursts in unheated commercial spaces produce significant water damage events.
Premium pressure. Kansas commercial property insurance has tightened substantially in recent years. Cumulative homeowners rate increases (which influence the broader market) have pushed average household spending on insurance to roughly 5.58% of household income — the third-highest in the country, behind only Oklahoma and Texas.
Commercial flat roofs are particularly vulnerable to hail and require specialized inspection methodology. Carriers frequently undersize repair scope or recommend patching when full membrane replacement is warranted. Documentation of cumulative damage and warranty implications matters.
Storm damage across multi-building apartment properties requires unit-by-unit, building-by-building documentation. Carriers consistently undersize multifamily scopes and miss damage to ancillary structures like carports, mailbox kiosks, and detached garages.
Hail and wind damage to retail centers and office buildings often involves HVAC equipment damage, exterior signage, glass breakage, and building envelope compromise. Each requires its own documentation.
Grain bins, machine sheds, livestock buildings, and agricultural infrastructure across Kansas are exposed to severe weather. Specialized commercial farm policies have their own coverage analyses.
Commercial property damage often produces business interruption losses that the carrier treats as secondary. Properly documented BI claims — using actual financial records, not just carrier formulas — recover substantial value carriers regularly miss.
Tornado claims engage every commercial coverage line — building, contents, BI, extra expense, ordinance and law, debris removal. Each requires separate documentation. Carriers regularly underpay on extra expense and ordinance/law coverage.
Critical scope limitation: Under Kansas Statutes Annotated 40-5502(k), Kansas defines a "public adjuster" specifically as someone who handles first-party insurance claims for losses or damages to real or personal property "covered by and limited to commercial lines insurance contracts." This means Kansas public adjusters cannot legally handle residential homeowner claims under standard Kansas homeowners policies.
If you're a Kansas residential homeowner with an underpaid or denied claim, your options are: (1) work directly with your insurance company, (2) contact the Kansas Insurance Department for free consumer assistance, or (3) consult a Kansas attorney who handles insurance disputes. We cannot legally represent you on a Kansas residential claim.
If you're a Kansas commercial property owner, multifamily owner, or business owner with a property claim under a commercial policy, William J. Addis can represent you under his Kansas PA license. The other key Kansas PA rules:
Resolution Claims Consulting, LLC is not licensed as a firm in Kansas. Kansas PA services are provided by William J. Addis as the individually licensed public adjuster, and only on commercial claims as defined under K.S.A. 40-5502(k).
Major writers of Kansas commercial property insurance include:
Each carrier has its own commercial claim philosophy and scoping standards. Knowing which carrier you're dealing with affects how a commercial claim should be documented and where the negotiation pressure points are.
Under Kansas Statutes Annotated 40-5502(k), Kansas public adjusters are limited to commercial lines insurance contracts. Kansas PAs cannot legally represent residential homeowners on standard homeowners claims. If you're a Kansas residential policyholder with a claim issue, your options are: working directly with your carrier, contacting the Kansas Insurance Department for free consumer assistance, or consulting a Kansas attorney who handles insurance disputes. We are not able to represent you on a Kansas residential claim.
Kansas PAs handle commercial first-party property claims — apartment complexes, multifamily, retail, office, industrial, hospitality, agricultural commercial, and similar commercial property losses. The K.S.A. 40-5502(k) definition is specifically limited to commercial lines insurance contracts.
Most Kansas commercial property insurance policies require prompt notice of loss and have a contractual suit-limitation period of 1–2 years from the date of loss. Specifics vary by policy. Commercial policies often have additional deadlines for proof of loss and supplemental claims.
Yes. Kansas law requires every PA contract to provide a 3-business-day right to cancel without penalty. After 3 business days, cancellation is governed by the contract terms.
Kansas has no statutory fee cap on commercial PA fees. William J. Addis works on contingency only — a percentage of the recovery agreed in writing before work begins. There are no upfront fees and no fee owed if no recovery is obtained.
Only if they hold an active Kansas public adjuster license. Negotiating commercial insurance claims for compensation without that license violates K.S.A. 40-5503. Most contractors don't hold this license. Kansas also imposes conflict-of-interest restrictions on PAs who have financial interests in repair work.
Often, yes. Supplemental commercial claims for undocumented scope items, code upgrades, business interruption losses, or newly discovered damage are typically available within the policy's notice and suit-limitation deadlines. Send us your settlement letter and the carrier's estimate.
The statutes, dollar figures, weather event data, regulatory rules, and market information cited on this page are drawn from the following sources. Information is current as of the date this page was last updated; insurance regulations and market data change — verify current rules with each state's Department of Insurance before relying on them for any specific claim or decision.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
