Joplin Tornado Insurance Claim Help

Here are the insurance claim help services United Policyholders is offering Joplin residents affected by the recent storm:

Claim Help Library
Search for tips and information on insurance claims, legal matters and the rebuilding/repair process.


 Top Ten Insurance Claim Tips
 General Claim Tips
 A Simplified Guide to Your Homeowners Policy
Sample Claim Forms


 Insurance Recovery Tips for the Dwelling Part of Your Claim
 Tips for Reviewing Adjusters’ and Contractors’ Estimates
 Xactimate Demystified
 Rebuilding 101: A Guide to the Reconstruction Process

Contents/Personal Property

 Home Contents Claim Tips
 Depreciation Basics

Recovery Tools

If your home or rental has been damaged or destroyed and you would like any of the free tools listed below, e-mail a current mailing address to, or call our main office at (800) 286-5631.

•The Disaster Recovery Handbook/Household Inventory Guide:  Since 2006 “The Disaster Recovery Handbook and Household Inventory Guide”  has been a trusted book that’s led thousands of people through the process of overcoming obstacles to repairing and rebuilding after a major loss.  The book is written in plain language by disaster survivors for disaster survivors with tips and expert advice from legal, insurance and personal finance professionals.

• The Roadmap to Recovery Organizer Kit: includes the essential tools for staying organized and recovering financially from serious property damage or loss.  Each kit contains a diary/notebook, essential tips and guidance, business card holders, a pouch for receipts and a messenger bag.

• Home Inventory Flashdrives:  Most disaster survivors must prepare an itemized and detailed inventory list of every single item they lost in order to recover insurance monies and/or claim tax losses.  Creating this inventory is one of the most challenging and time-consuming tasks survivors must complete on the road to recovery.  To ease this burden, UP created a home inventory flash drive that’s pre-loaded with helpful content and is easy to use.

Support from Previous Disaster Survivors

Confidential emotional support, insurance and rebuilding tips from previous catastrophic loss victims/survivors through the United Policyholders Disaster Survivor Support Network (“DSSN”) For a list of and contact info for available DSSN recovery mentors, please email your request to and put “DSSN” in the subject line.

Expert Answers to Your Questions

Our secure online “Ask an Expert” forum is now open to all Joplin residents.  The forum is an easy and safe way to ask individual questions and get answers from attorneys, claim professionals and previous disaster survivors who serve as UP volunteers.  The expert/volunteer doesn’t see your contact info so they can’t contact you, but you can contact them if you want to follow up on their answer. To view the forum, please visit our “Ask an Expert” page here. 

Other Resources

 Hiring Professional Help

 Missouri State Specific Help

 Missouri Insurance Commissioner asks insurers to extend policy deadlines

  Missouri Insurance Law

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