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Kansas & Missouri Public Adjusters

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Kansas & Missouri Public Adjusters

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24 years of experience

A public adjuster is an insurance claims adjuster who advocates for the private citizen (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 (private citizen) during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer (insurance company) will pay the claim and the only issue is the proper identification and valuation of the loss. Most public adjusters charge a percentage of the settlement, with the average charge being between 10% to 15%. Primarily they appraise the damage, prepare an estimate and other claim documentation, read the policy of insurance to determine coverage, and negotiate with the insurance company's adjuster.

A public adjuster is an insurance claims adjuster who advocates for the private citizen (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 (private citizen) during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer (insurance company) will pay the claim and the only issue is the proper identification and valuation of the loss. Most public adjusters charge a percentage of the settlement, with the average charge being between 10% to 15%. Primarily they appraise the damage, prepare an estimate and other claim documentation, read the policy of insurance to determine coverage, and negotiate with the insurance company's adjuster.

Pro Paving & Sealcoating

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Pro Paving & Sealcoating

3.00(
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Customers say: Quick response
38 years of experience

DBA: KR Construction & Contracting LLC. An All Purpose Construction & Contracting company who takes pride in not just our work, but working for our customers. No jobs to big nor to small for us. Additional email: [email protected]

DBA: KR Construction & Contracting LLC. An All Purpose Construction & Contracting company who takes pride in not just our work, but working for our customers. No jobs to big nor to small for us. Additional email: [email protected]

SUMMA HOME IMPROVEMENT

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SUMMA HOME IMPROVEMENT

1.00(
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36 years of experience

SUMMA HOME IMPROVEMENT is a family owned company with over 30 years of experience. We offer a variety of services for both residential and commercial properties. Offering handyman services, home repair and more. We can fix it all – from the roof to your floor. We do roofing, electrical, plumbing, concrete, room additions, flooring, interior and exterior painting, siding, windows, glass and doors. No job is too small or large!

"Terrible experience. Paid over $40,000 for new metal roof and siding. Roof leaks every time there is a large rain or snow. Steve does not stand behind his work so am having to pay others to repair his shoddy workmanship and repair damage done to the interior from the leaks. Sections of siding come off in wind and have to pay others to re-attach."

Linda L on April 2021

SUMMA HOME IMPROVEMENT is a family owned company with over 30 years of experience. We offer a variety of services for both residential and commercial properties. Offering handyman services, home repair and more. We can fix it all – from the roof to your floor. We do roofing, electrical, plumbing, concrete, room additions, flooring, interior and exterior painting, siding, windows, glass and doors. No job is too small or large!

"Terrible experience. Paid over $40,000 for new metal roof and siding. Roof leaks every time there is a large rain or snow. Steve does not stand behind his work so am having to pay others to repair his shoddy workmanship and repair damage done to the interior from the leaks. Sections of siding come off in wind and have to pay others to re-attach."

Linda L on April 2021

Earthquake Retrofitting questions, answered by experts

Generally, the retrofitting process can take two to four weeks. Your contractor will let you know if staying in your home for the entire project is feasible. However, most people are able to remain at home. If your home is undergoing earthquake rehab, it's more likely that you'll need to leave until work is complete. Your earthquake insurance may cover boarding costs if your home is deemed unsafe.

Even if you invested in the cost of a gas shut-off valve for your oven and other appliances, it’s a good idea to add a seismic shut-off valve as an extra safety measure. 

Gas shut-off valves for appliances are manual, meaning someone has to cut off the flow of gas. This leaves room for error, as you might not be home or might be too distracted to think about gas lines during an earthquake. An earthquake valve is automatic and will protect your home from gas-related disasters in the event of an earthquake.

Earthquake retrofitting can increase your home value, making it a great return on investment. This feature is especially valuable in areas prone to earthquakes. Besides the increased safety value (not only for your family but for the next family who moves in), earthquake retrofitting also helps lower homeowners insurance rates. In addition, having your home earthquake retrofitted can make it easier to get a home loan since they are considered lower risk.

Costs vary as much as timelines. The average earthquake retrofit costs between $3,500 and $8,700. However, homes on hillsides, large homes, and those with rooms over garages can cost up to $12,000 or more. Make sure to get a few estimates to compare the cost and services.

According to the Earthquake Country Alliance—a public and private alliance in California that works to improve earthquake and tsunami readiness—reports that unreinforced masonry, such as stone, bricks, and hollow clay tiles, is more susceptible to earthquake damage. The mortar between bricks isn’t as stable as other building materials and methods.

The Bates City, MO homeowners’ guide to earthquake retrofitting services

From average costs to expert advice, get all the answers you need to get your job done.

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