Many Missouri residents and roofing contractors are unaware of the Missouri laws concerning insurance negotiation or representation.
The Missouri Senate Bill No.101 states the following concerning representation and negotiation:
A residential contractor shall not represent or negotiate, or offer or advertise to represent or negotiate, on behalf of an owner or possessor of residential real estate on any insurance claim in connection with the repair or replacement of roof systems, or the performance of any other exterior repair, replacement, construction, or reconstruction work. Any violation of this section by a residential contractor shall be considered an unfair practice pursuant to the Missouri merchandising practices act as codified in this chapter.
In recent times, many roofing contractors have promised representation and negotiation, and have functioned as Public Adjusters, however, they were not licensed by the state to do so. This bill has been passed to protect the homeowner from roofing contractors who claim to be insurance experts, and yet are not.
Be Aware! Roofing Contractors Cannot Legally Represent You on Your Insurance Claim!
What is a Public Adjuster? A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
If you have an insurance claim for your damaged roof due to hail or wind, contact a professional insurance consultant (public adjuster) who can help you through the entire claim process and ensure that you are fully reimbursed by your insurance company.
http://www.senate.mo.gov/11info/pdf-bill/tat/sb101.pdf
[middlerepresent]Types Of Damages
- Storm Damage
- Hail/Wind/Water
- Hurricane
- Tornado
- Fire Damage
- Water Damage
- Pipe break
- A/C Leak
- Dishwasher Leak
- Mold Damage
- Theft/Vandalism Damage
