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If your insurance company has delayed, denied, or lowballed a property damage claim, you need a public adjuster in Missouri who works for you, not the company writing the check. Deskar 6 is a licensed public adjuster representing homeowners and business owners across the state, with a base in the St. Louis area and claims handled statewide. We inspect the damage, document it the right way, and negotiate the settlement so you don’t have to. There’s no upfront cost, and we don’t get paid until you do.
Free Claim Review  |  No Upfront Cost  |  Licensed in Missouri  |  We Work For You, Not the Insurance Company
Why Missouri Homeowners Need a Public Adjuster Who Knows the State
The St. Louis metro sits in one of the more hail-prone parts of the country, and Missouri gets hit with severe spring storms almost every year, sometimes bringing tornadoes along with the hail and wind. That kind of damage is easy for an insurance company to underestimate, especially on the older brick homes common across St. Louis City and St. Louis County, where matching materials and code upgrades add real cost the first estimate usually leaves out.
We’re licensed through the Missouri Department of Commerce and Insurance to represent you directly with the adjuster on the other side of that claim, whether you’re in the city, the county, or anywhere else in the state.
Was Your Missouri Insurance Claim Underpaid or Denied?
A denial letter or a lowball settlement offer usually isn’t the end of the process, it’s the start of a second opinion. We review the policy, the adjuster’s estimate, and the property itself, and it’s common to find damage and coverage the first pass missed entirely. There’s no cost to find out where your claim actually stands.
Public Adjuster Services in Missouri
As your public adjuster, we handle the entire claim from the first phone call to the final check:
- Damage assessment and documentation
- Full policy review to find every coverage that applies
- Claim preparation and submission
- Negotiation directly with your insurance company’s adjuster
- Appeals on denied or underpaid claims
- Settlement coordination with your contractor of choice
Property Damage Claims We Handle Across Missouri
Hail Damage
Missouri, and the St. Louis metro in particular, sees some of the heaviest hail activity in the country most springs. Hail damage is also one of the most commonly underpaid claim types we review.
Storm & Wind Damage
Severe thunderstorms and the occasional tornado bring wind damage that's often more structural than a first estimate accounts for.
Water Damage
Burst pipes, appliance failures, and storm-driven water intrusion cause damage that spreads well past the point of entry.
Fire & Smoke Damage
Smoke and soot travel through a home's HVAC system, which means the damage almost always extends past the room where the fire started.
Roof Damage
Granule loss, cracked shingles, and flashing failures from hail and wind are routinely written down to avoid a full roof replacement.
Commercial Property Damage
A drawn-out commercial claim costs a business owner more than the repair itself. We handle these with the same urgency as residential claims.
How We Handle Your Claim
Free Inspection & Damage Assessment
We go through the property ourselves: roof, siding, interior, contents. If there's damage the first estimate missed, this is where we find it.
Policy Review & Claim Strategy
We read your policy the way the insurance company reads it, and build the claim around every coverage you're actually owed.
Detailed Documentation & Estimate
We document everything with photos, measurements, and a full Xactimate estimate, the same software the insurance company uses, so there's no argument about the numbers.
File & Negotiate the Claim
We handle every call and email with the adjuster from here on. You don't have to negotiate with your own insurance company.
Settlement & Support
Once the settlement lands, we coordinate with the contractor doing the repair so the money and the work line up.
What Does a Public Adjuster Cost in Missouri?
Nothing upfront. Deskar 6 works on contingency, which means there’s no bill until your claim settles, and no fee at all if we don’t recover anything for you. Most homeowners end up with a significantly larger settlement than the one the insurance company offered on its own, even after the fee.
Insurance Claims for Missouri Homeowners, Landlords, and Business Owners
Most of the people we represent are homeowners dealing with a single loss: hail on the roof, wind damage, a burst pipe. We also work with landlords managing damage across rental properties, and business owners whose commercial claims involve a lot more than one building. The insurance company doesn’t treat those claims any more fairly just because more is at stake, so we represent all three the same way: carefully, completely, and on your side.
Why Homeowners Across Missouri Choose Deskar 6
Our founder, Martin Kaczmarek, worked as an insurance adjuster before he switched sides to represent homeowners instead. He saw how often a fair claim got written down simply because the person on the other end of the phone didn’t know what to push back on. That’s the entire reason Deskar 6 exists.
We split our time between our home base in Wisconsin and our office in the St. Louis area, because Missouri’s storm season keeps us just as busy. We don’t get paid unless you do.
- BBB Accredited Business
- Google reviews from homeowners we’ve represented
- Licensed public adjuster in Missouri
Cities We Serve Across Missouri
Deskar 6 is licensed to represent homeowners and business owners anywhere in Missouri. We’ve built dedicated pages for the communities where we’re most active in the St. Louis metro, and we’re adding more as we grow into new parts of the state. If your town isn’t listed yet, that doesn’t mean we don’t serve it. It just means the page hasn’t been written yet. Call, and your claim gets handled exactly the same either way.
St. Louis City & County
St. Charles County
West & South Metro
Don’t see your city? Deskar 6 is licensed statewide. Call (414) 414-7470 or request a free claim review and we’ll get started no matter where in Missouri you’re located.
FAQ
What does a public adjuster do?
A public adjuster inspects your property damage, reviews your policy, documents the loss, files the claim, and negotiates the settlement directly with your insurance company. Unlike the adjuster your insurance company sends out, a public adjuster works only for you.
How much does a public adjuster cost?
Deskar 6 works on contingency. There’s no upfront cost, and no fee at all if we don’t recover anything for you. The fee only applies once your claim settles.
Should I accept my insurance company's first settlement offer?
Not before you’ve had it reviewed. A first offer is written by an adjuster working for the insurance company, and it’s common for that estimate to miss damage or undervalue the repair. A second opinion costs you nothing to get.
Can a public adjuster help with a claim that was already denied?
Often, yes. A denial isn’t always the final word. We review the policy language the denial was based on and the damage itself, and in a lot of cases there’s a path to reopen the claim or file an appeal.
Is Deskar 6 licensed to handle claims outside the St. Louis area?
Yes. We’re licensed by the Missouri Department of Commerce and Insurance to represent homeowners and business owners anywhere in the state, not just the St. Louis metro.
Is there a deadline to file a hail damage claim in Missouri?
Every policy sets its own deadline for filing a claim, and Missouri law adds requirements of its own. We can help you figure out where your claim stands as part of a free review. For questions about your specific legal rights, an attorney is the right resource.
Get Your Free Missouri Claim Review
Tell us what happened and where the property is, and we’ll let you know within one business day whether there’s a case worth pursuing. No cost, no obligation.
Business Info
Deskar 6 LLC
Phone: (414) 414-7470
Service Area: Wisconsin, Missouri, and Illinois
Licensed Public Adjuster | BBB Accredited Business
