Kansas and Missouri are prime areas for damaging strong winds and tornadoes. Every spring, citizens of both states know that at some point they will likely end up in their basements or in an interior room listening to the local news stations, and hoping that a tornado does not actually touch down. However, the Midwest is home to not just tornadoes, but also violent storms. All of these types of weather events can cause serious damage to homes and property. If you suffered any kind of wind damage to your home in Missouri or Kansas, you will likely have to deal with an insurance company to receive compensation.

Insurance Coverage

Every homeowner’s policy is different, and the types of coverage you selected when you purchased your policy will greatly impact what type of compensation you have the legal right to receive after any kind of serious wind damage in Missouri or Kansas. Whether it was hail, strong winds, or a tornado, you will have to first check your own insurance policy to determine what was actually covered and the losses for which you have the legal right to receive compensation.

  • Missouri Department of Insurance. You will be able to find a lot of resources at the Missouri Department of Insurance. This is also a helpful place if you discover that your insurance company is not cooperating or offering a fair or full settlement.
  • Kansas Insurance Department. As the evidence shows in this graph, the damage caused by storms in the state of Kansas was over $276 million dollars in 2019 alone. There are many additional resources available on this website for Kansans.

Insurance Companies

If you finally make the determination, after looking at your insurance policy, that you have the legal right to pursue a claim for any wind damage or storm damage, you may find that you are not immediately offered a full or fair settlement by the insurance company. In many cases, insurance companies will use unscrupulous or even manipulative tactics in order to delay the process to frustrate a homeowner, or simply fail to provide appropriate compensation according to the homeowner’s policy.

Make sure to always ask for copies of your insurance documents, copies of any reports from investigations conducted by insurance adjusters at your home, and any other information related to your case. Make sure you understand the law before you negotiate with an insurance company. An experienced attorney can help you understand how having representation in negotiations with an insurance company can ensure that your legal right to compensation is protected.

Contact an Experienced Attorney

If your property suffered any kind of damage as a result of a weather event, and you find it difficult to receive the compensation you are owed from an insurance company through your policy, contact an experienced attorney at Griggs Injury Law at (816) 474-0202. We would welcome the opportunity to consult with you and help you understand your legal rights.