What is a supplemental claim—and when should you ask for one?
What a supplement can address, what supports the request, and how to present it clearly.
Read the guideThe claim desk
Clear answers for complicated property claims.
Practical guides for documenting damage, reading estimates, preparing for inspections, and asking better questions throughout a Missouri or Illinois property claim.
Your insurance adjuster inspection checklist
Prepare the property, paperwork, and questions before the adjuster arrives.
Use the checklistBuild a claim communication log that actually helps
Track every call, request, document, and open question in one reliable record.
Build your logSummer storm damage insurance claims
A practical guide to documenting wind, hail, and storm damage across the St. Louis region.
Read the guideHow to choose a public adjuster in St. Louis
Questions to ask about licensing, services, communication, fees, and claim experience.
Read the guideWorking with insurance adjusters
What to expect and how to keep the claim conversation organized.
Read the guideStorm damage documentation and photography tips
Build a more useful visual record without putting yourself in danger.
Read the guideSt. Louis hail damage claims
What homeowners should inspect, preserve, and ask after a Missouri hailstorm.
Read the guideMissouri and Illinois insurance claim timelines
A plain-language overview of the milestones and policy-driven deadlines that can shape a claim.
Read the guideUnderstanding proof-of-loss requests
What the form is, why the details matter, and why policy language should guide the response.
Read the guideContractor disputes and insurance valuation
How scope differences can create large gaps between repair bids and carrier estimates.
Read the guideRoof claims in Missouri
What inspectors consider when assessing storm-related roof damage and repair scope.
Read the guideWater damage coverage for homeowners
Why the source and timing of water damage matter when reading coverage.
Read the guideDepreciation and replacement cost coverage
Understand the difference between initial actual-cash-value payments and recoverable depreciation.
Read the guideFire damage, soot, and smoke claims
Why the scope of a fire loss can extend beyond the visibly burned area.
Read the guideHave a claim question the guides do not answer?
Tell us what happened