Understand your appraisal rights, code coverage, and proper repair entitlements under Missouri law. The difference could mean thousands in your settlement.

Your Rights as a Missouri Policyholder

Missouri insurance law includes important protections for property owners. Understanding these rights can mean the difference between a fair settlement and leaving money on the table.

• Right to appraisal for disputed claims
• Coverage for code upgrades (often misunderstood)
• Right to choose your contractor
• Coverage for full replacement cost or ACV
• Right to review the adjuster's report

Understanding Code Coverage

Modern building codes often require upgrades during repairs, and insurance should cover the cost difference.

• Common code upgrades: underlayment, ventilation, bracing
• Depreciation applies differently in Missouri vs. other states
• New vs. old building codes can affect coverage amounts

How to Dispute an Unfair Settlement

Insurance companies sometimes use low estimates to minimize payouts. A reputable contractor can help document the true cost of repairs.

• Get a second opinion from a qualified contractor
• Submit evidence of higher repair costs
• Request appraisal through your insurance policy
• Document all damage with photos and video
• Keep all receipts and repair estimates

We frequently work with property owners to bridge the gap between insurance offers and actual repair costs.