When your insurance company underpays, delays, or denies a Missouri property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Missouri sits at the convergence of multiple severe-weather patterns. From St. Louis to Springfield to Kansas City, policyholders face frequent storm events and the prolonged claims battles that follow.
Common Missouri claim types we handle: tornado damage in the Midwest’s most active corridor; hail across St. Louis, Kansas City, and Springfield; flooding along the Missouri and Mississippi rivers.
Missouri is consistently among the most active tornado states in the country.
Important Missouri disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #8428075). 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 Missouri (license #8428075).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Missouri 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. Missouri 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 Missouri, 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 Missouri insurance regulator. License lookup links and contact information for the Missouri insurance department are available on our Legal Disclaimers page.
Missouri sits at the eastern edge of Tornado Alley with substantial hail and wind exposure across the entire state. Approximately 2.3 million Missouri homes are at moderate or greater hail risk, with roughly $764.7 billion in replacement-cost value at stake — the third-highest hail exposure of any state. Missouri experienced 120 confirmed billion-dollar weather events between 1980 and 2024.
The events driving claim work:
Tornado activity. Missouri sits in one of the most active tornado corridors in the country. 2024 was one of the worst recent years for Midwest tornadoes — at least 1,735 tornadoes were confirmed across the U.S., with the number of strong tornadoes (EF2 or higher) the highest in over a decade. The May 2025 Kentucky-Missouri tornado outbreaks demonstrated how concentrated catastrophic events can roll across multiple states in single weather systems.
Severe convective storm intensification. The number of catastrophic weather events affecting Missouri has increased from approximately 2.7 to 8.2 per year. Hail size, duration, and storm frequency have all trended upward. Missouri is among the states with the sharpest 3-year increase in severe hail.
Spring and early-summer hail across central and eastern Missouri. The Kansas City, St. Louis, and Springfield metros consistently sit in active hail corridors. April–June is peak season.
The Missouri Department of Commerce and Insurance recovered a record $46 million for Missouri consumers in 2025 through claim disputes — a measure of how much carriers underpay or improperly deny claims that ultimately get reversed.
Winter weather: ice storms, frozen pipes, ice dams. Missouri winters produce a different category of claim. Pipe-burst losses spike during cold snaps. Ice storm damage to trees and roofs creates secondary water-intrusion losses.
Localized flooding. Missouri river systems produce periodic catastrophic flooding. Standard homeowners policies don't cover flood, but wind-driven rain and sewer backup with appropriate endorsements may apply.
The most common Missouri claim. Carrier estimates frequently miss matching, code upgrades, and damage on slopes the field adjuster didn't directly examine. Soft-metal damage (gutters, downspouts, AC fins) is often the most reliable indicator that hail damage occurred.
Missouri tornado claims engage every coverage line. Documentation of pre-loss condition matters significantly. Outbuildings, fences, trees, and detached structures (Coverage B) are routinely undervalued.
Carriers regularly attribute storm-caused damage to "wear and tear" or "maintenance" issues. Distinguishing storm uplift from age-related deterioration requires specific inspection methodology and weather event documentation.
Missouri pipe-burst claims involve immediate water damage, secondary contents losses, mold risk, and additional living expenses. Carriers frequently use occupancy or vacancy issues to challenge coverage.
Falling tree damage, ice-loaded roof failures, and ice dam water intrusion. Coverage hinges on causation analysis. Mold downstream of ice-related water damage often runs into sublimit caps.
Missouri commercial claims involve business interruption coverage that requires actual financial documentation. Small businesses and multifamily property owners are often underpaid because the BI calculation isn't built correctly.
Missouri regulates public adjusters under RSMo Chapter 325 (§§325.010–325.050), enforced by the Missouri Department of Commerce and Insurance. Key requirements:
Resolution Claims Consulting, LLC is not licensed as a firm in Missouri. PA services in Missouri are provided by William J. Addis as the individually licensed public adjuster.
Missouri's largest homeowners insurance writers include:
Shelter Insurance's Missouri headquarters gives the state a distinctive landscape — a major regional carrier with deep local market knowledge alongside the national writers. The Missouri Department of Commerce and Insurance recovered a record $46 million for consumers through claim disputes in 2025, indicating the volume of underpaid and contested claims that successfully get reversed when properly challenged.
Missouri caps public adjuster fees at 10% during a state-of-emergency declared by the governor (applying for one year after the declaration) and at 20% in non-disaster scenarios. Any contract that exceeds these caps is unenforceable. There's also a 96-hour rule: if the carrier commits to paying policy limits within 96 hours of the loss being reported, the PA cannot collect a percentage fee — only reasonable compensation for time spent before that point.
Most Missouri property insurance policies require prompt notice of loss (typically within 30–60 days) and have a contractual suit-limitation deadline of 1–2 years from the date of loss. Specifics vary by policy. The Missouri Department of Commerce and Insurance can help with claim disputes — they recovered $46 million for consumers in 2025.
No. Missouri law prohibits public adjusters from performing restoration or repair work for clients they represent — that conflict of interest is statutorily barred. A contractor also cannot hire a public adjuster to negotiate the contractor's customers' claims. If a roofer is offering to "handle the claim," ask if they hold an active Missouri PA license and verify it before signing anything.
Missouri PAs are licensed to handle "fire and allied lines" claims — meaning fire, wind, hail, water, and similar property/casualty losses. Auto insurance claims are explicitly excluded from Missouri PA practice. Most homeowners and commercial property claims fall within Missouri PA scope.
Generally yes. Tornado damage is a form of windstorm damage, which is covered under nearly all standard Missouri homeowners policies. Coverage applies to dwelling, other structures, contents, and additional living expenses. The scope is typically broader than the carrier's first estimate suggests.
Often, yes. Supplemental claims for undocumented scope items, code upgrades, 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 — we'll review whether reopening is viable.
Total losses engage the full coverage stack — dwelling/business property, contents, additional living expenses (residential) or business interruption (commercial), debris removal, and code-upgrade coverage. Each line requires separate documentation. Carriers regularly underpay on contents and ALE/BI even when the dwelling is paid in full.
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.
