Missouri Public Insurance Adjuster Services
When property damage disrupts your home, business, or community association, you need more than a claim number — you need an advocate. Gavnat’s Missouri Public Insurance Adjusters represent policyholders across the state, managing the entire claims process from inspection to final settlement.
From severe wind and hail events in St. Louis and Kansas City to fire and water losses throughout suburban and rural Missouri, we help ensure your claim reflects the full scope of damage — not just what’s visible.
Featured Services
View All ServicesHail Damage
Hail is one of Missouri’s most frequent and most disputed claim types. Carriers often attribute damage to wear and tear rather than storm impact.
Our team performs detailed damage assessments to differentiate legitimate storm damage from aging materials and prepares comprehensive documentation to support full roof, siding, and exterior restoration.
Learn More
Wind Damage
Missouri storms often bring straight-line winds and tornado activity that cause widespread structural damage. Wind claims frequently involve roof uplift, structural compromise, siding damage, and interior water intrusion.
We document wind damage thoroughly and ensure all related coverages — including interior, code upgrades, and debris removal — are properly applied.
Fire Damage
Fire losses are complex and emotionally overwhelming. Beyond visible burn damage, smoke, soot, water from suppression efforts, and structural compromise must be addressed.
We manage the entire fire claim process, including:
- Structural and contents documentation
- Smoke and odor remediation scope
- Code compliance upgrades
- Additional Living Expense (ALE) coordination
- Full settlement negotiation
Water Damage
Frozen pipes, storm-driven water intrusion, appliance failures, and roof leaks can lead to significant hidden damage.
Water claims are frequently under-scoped. Carriers and mitigation vendors often focus only on visibly wet materials, overlooking:
- Insulation and cavity drying
- Matching issues
- Flooring transitions
- Mold risk
- Code-required upgrades
Gavnat ensures the full extent of the damage is evaluated and properly included in your claim.
Learn More
Common Missouri Insurance Claim Challenges
Missouri’s climate brings hail, tornadoes, heavy rains, freezing temperatures, and high winds — all of which create complex claims scenarios.
Common issues include:
- Underpaid roof and siding claims after hail or wind
- Matching disputes (partial replacements vs. full scope)
- Water mitigation limitations that ignore full restoration needs
- Code upgrade (Ordinance & Law) coverage disputes
- Business interruption losses being minimized
Without experienced representation, these challenges can significantly reduce your settlement.
Our Missouri Team
Insurance carriers are businesses. Claims decisions are often driven by cost control, internal guidelines, and preferred vendor relationships. Having an experienced public adjuster levels the playing field.
Policyholders choose Gavnat because:
- We interpret complex policy language and coverage provisions
- We document damages thoroughly and strategically
- We prepare detailed, carrier-ready estimates
- We manage communication and negotiations on your behalf
- We fight for full and fair settlements — not quick, reduced payouts
Adina Bergstrom
Chief Operations Officer
Jim Pierce
CEO
Chris Skillings
Licensed Public Adjuster
Jack Hanks
CEO, VPA
Recent Results
See All Results
4K to $6M – Recent Results – Brewery Hail Damage, Coverage Secured
A brewery suffered extensive hail damage and was initially offered $4,000 by the insurance carrier. Recognizing the true scope of the loss, the owners brought Gavnat in to take over the claim and advocate on their behalf. Through detailed documentation, policy review, and persistent negotiation, we secured a $6 million settlement, providing the brewery with the resources needed to repair and reopen without compromise.
12K to $510K – Recent Results – Church Property Claim Maximized
A religious institute experienced significant water damage and was initially offered just $50,000 by the insurance carrier. Knowing the loss far exceeded that amount, they brought us in to manage the claim from start to finish. Through thorough documentation, careful policy review, and persistent advocacy, we secured a $3 million settlement.
310K to $7M – Recent Results – Multi-Family Property, Fire Claim Resolved
When a multi-family property faced devastating fire damage, the initial insurance offer of $310,000 didn’t come close to covering the loss. Our team stepped in to take over the claim, digging into the details and advocating every step of the way. After careful review and strong negotiations with the carrier, we secured a $7 million settlement, giving the property the resources it needed to rebuild and recover with confidence.
$20K to $3.7M – Recent Results – Multi-Family Property, Hail Damage Settled
A multi-family property suffered significant hail damage and was initially offered only $20,000 by the insurance carrier. Recognizing the gap between the offer and the actual loss, our team stepped in to handle the claim from start to finish. Through detailed assessment, thorough documentation, and strategic negotiations, we secured a $3.7 million settlement.
Why Use a Public Insurance Adjuster in Missouri?
What’s New at Gavnat
Stay up to date with Gavnat’s latest news, events, and industry insights. From recent claim wins to community involvement, see how we’re serving property owners and growing nationwide.
Frequently Asked Questions
View All FAQsWind, hail, tornadoes, fire, and water damage are among the most common causes of loss.
They manage communication with the carrier and advocate for coverage based on the policy—not just visible damage.
Yes. Many denied or underpaid claims can be revisited if coverage was misapplied or damage overlooked.
Wind, hail, tornadoes, fire, and water damage are among the most common causes of loss.