Detailed Answer
When you report a claim to your insurance company, you receive a claim number and an assigned adjuster. If you misplaced this information, follow these steps to retrieve it under Missouri law:
- Locate Your Policy Documents
Find your declarations page. Note your policy number, coverage dates, and your insurer’s contact details. - Contact Your Insurer’s Claim Department
Call or visit your insurer’s website. Provide your policy number, date of loss, and insured name. Request your claim number and adjuster’s name and phone number. - Reference Missouri Acknowledgment Timeline
Under RSMo 375.100, insurers must acknowledge and begin investigating your claim within 15 days of receiving notice. Use this reference if you experience delays. (RSMo 375.100) - Contact Your Insurance Agent or Broker
If you used an agent to purchase your policy, ask them to retrieve the claim number and adjuster contact for you. - Reach Out to Missouri Department of Commerce and Insurance
If your insurer does not respond, file a complaint or request assistance at insurance.mo.gov.
Helpful Hints
- Keep your policy number and claim number in a secure, easily accessible place.
- Note date, time, and name of each representative you speak with.
- Send and save emails or letters as proof of your requests.
- Use your insurer’s online portal, which often lists claim details and adjuster info.
- Understand your policy’s coverage limits and deadlines to avoid missed opportunities.
Disclaimer: This article provides general information about insurance claims in Missouri. It does not constitute legal advice. Consult a qualified attorney for guidance on your specific situation.