Detailed Answer

Understand Missouri’s Claim Timelines

Under Mo. Rev. Stat. § 379.200, insurers cannot unreasonably delay claims. They must acknowledge your evidence within 15 days and respond to proof of loss within 30 days. See Mo. Rev. Stat. § 379.200.

Confirm Receipt

Within a week of submitting records, call the adjuster. Ask for a reference number or email confirmation. Then send a brief follow-up email summarizing the call.

Set Clear Deadlines

Politely request that the insurer review your records and update you by a specific date. Citing the 30-day proof-of-loss rule creates accountability.

Document All Communications

Keep detailed notes of each phone call, including date, time, names, and key points discussed. Save all emails, letters, and certified‐mail receipts. This log may prove vital if you need to escalate.

Escalate When Necessary

If the insurer misses your deadlines or stops responding, file an internal complaint or contact the Missouri Department of Insurance online: insurance.mo.gov/consumers/complaints. State intervention often speeds resolution.

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney for guidance specific to your case.

Helpful Hints

• Use certified mail or email read receipts to confirm submissions.
• Create a digital folder with time‐stamped copies of all documents.
• Address follow-up emails to both the adjuster and their supervisor.
• Set calendar reminders for key follow-up deadlines.
• Maintain a polite, concise tone in writing.