If your property has been damaged, you should avoid any further loss. For example, if windows are broken, have them boarded up to protect against vandalism or weather damage. The cost of boarding up windows may be covered in your homeowners policy. Your insurance company has the right to inspect the property in its damaged state and can refuse to reimburse you for any damage repaired before the company's inspection. Do not initiate permanent repairs until your insurance company has inspected the property and you have discussed the terms of the agreement on the cost of repairs.
Insurance companies have an obligation to pay claims promptly and fairly.
However, if the value of the loss is disputed, the policy provides for an appraisal . Look at the appraisal clause in your policy for instructions on how to proceed or check with your agent or company representative. If you require further assistance, contact the Missouri Department of Insurance. Cancellation or non-renewal Missouri law prohibits insurance companies from cancelling, failing to renew or refusing to write a residential fire or homeowners insurance policy based on a person's place of residence or geographic location, age, race, sex, creed, color, national origin, ancestry or lawful occupation, including the military service. Companies are prohibited from refusing to write policies based on another insurer's cancellation, refusal to write or refusal to renew an existing policy.