Standing with Southwest Missouri following the devastating April 28th hail storm. Our deepest sympathies go out to the entire community, the staff at the Springfield-Branson Airport, and the Dickerson Park Zoo on the tragic loss of Adam the emu. We are here to help our neighbors rebuild.
Independent Total Loss Appraisals for Springfield Hail Storm Victims
The recent storms left thousands of vehicles severely damaged across Springfield, Aurora, Republic, Elkland, Stockton, Greenfield, and Marshfield. If your insurance company has declared your vehicle a total loss, you are likely feeling overwhelmed—and the settlement offer you received may leave you unable to replace your vehicle. You do not have to accept their first offer. We are here to advocate for you.
Why Your Total Loss Settlement Might Fall Short
Following a mass-casualty weather event, insurance companies are flooded with claims. To process them quickly, they rely on automated third-party valuation software to determine your vehicle's Actual Cash Value (ACV). Unfortunately, these systems frequently ignore:
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The sudden spike in local Missouri market prices for replacement vehicles.
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Recent upgrades, new tires, or major maintenance you performed.
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The true, pristine pre-storm condition of your specific vehicle.
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Mandatory taxes and fees required to replace the vehicle.
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The result is often a settlement designed to save the insurance company money, rather than making your family whole. We believe you deserve better.
Your Right to an Independent Appraisal
Your insurance policy contains a provision called the "Appraisal Clause." If you and your insurance company do not agree on the amount of loss, you have the legal right to demand an independent appraisal.
That is where we step in to carry the burden for you. To date, Expert Asset Protection has completed over 4,500+ Actual Cash Value (ACV) assessments. As a Licensed Public Adjuster with over 600 court testimonies, Doug Lawrence provides the certified, independent appraisal required to force the insurance company to pay what your vehicle is actually worth in the open market.
Trusted by Over 500 Drivers Nationwide
Frequently Asked Questions: Missouri Hail Claims
What is the total loss threshold in Missouri?
In Missouri, a vehicle is typically declared a total loss if the cost of repairs plus the salvage value equals or exceeds 80% of the vehicle's Actual Cash Value (ACV). Because hail damage often requires replacing the entire roof, hood, and glass, vehicles hit in the April 28th storm easily meet this threshold.
Will filing a hail damage claim raise my insurance rates?
Hail damage falls under your comprehensive coverage, which covers "Acts of God." Unlike a collision where you are at fault, filing a comprehensive claim for storm damage generally should not cause a direct spike in your individual premium, though area-wide rates may adjust due to the storm's severity.
Do I have to accept the insurance company's first settlement offer?
Absolutely not. You have the right to invoke your policy's Appraisal Clause and hire an independent appraiser (like a Licensed Public Adjuster) to determine the true Actual Cash Value of your vehicle.
How do I buy a new car if the settlement isn't enough?
This is the exact problem we solve. By providing a certified, independent ACV assessment, we fight to increase your settlement so you have the actual funds required to purchase a comparable replacement vehicle in today's market.
Let Us Review Your Offer for Free
Take just a few seconds to fill out the form below or call us directly. We will review your insurance company's offer for free, compare it to the true market value, and give you our honest, expert opinion.
We offer a 100% money-back guarantee with our service. If we can't help you, you don't pay.