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Montana public adjusters · Farmers Union Insurance claims
Farmers Union Insurance denied your Montana home claim or paid less than a fair repair? We review the decision against your policy, inspect the damage and tell you for free whether there is a realistic path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Farmers Union Mutual Insurance Company (Farmers Union Insurance). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Farmers Union Mutual Insurance Company (FUMICO), known as Farmers Union Insurance, is based in Great Falls, Montana, with roots dating back to 1915. It describes itself as the largest property and casualty company in Montana and one of the state’s largest writers of farm and ranch business.
Its policies are sold through the Farmers Union Agency Group, with more than 55 agents in 60 locations across Montana, according to the company.
Farmers Union Mutual is 10th among Montana homeowners insurance groups (2.07%), according to Truvo’s summary of NAIC market-share data.
General reasons homeowners report for denied or short-paid claims, with any carrier (not a description of Farmers Union Insurance’s internal rules):
Dents in metal roofing, gutters or siding are sometimes treated as cosmetic, and some policies carry endorsements that limit cosmetic hail damage. Read the endorsement, then document functional damage such as fractured shingle mats, granule loss and cracked tiles.
Lifted shingles and loose siding can let water in long after the storm. Photograph every elevation soon after the event and keep weather reports for the date.
Freeze claims often turn on whether heat was maintained and where the pipe broke. Keep utility bills, thermostat records and the plumber’s written report on the cause.
Older roofs are often said to have failed from age rather than wind or hail. Storm dates, close-up photos, test squares and nearby damage reports help show what actually happened.
Detached structures may fall under other-structures coverage or a separate farm policy with its own limits. List every damaged structure separately and match it to the coverage that applies.
Your agent can help with paperwork, but the insurer’s claim staff decides the claim. Send important information to the insurer in writing, copy your agent, and keep copies.
Under Mont. Code Ann. § 33-18-232(1), an insurer must pay or deny a claim within 30 days after receiving proof of loss. If it makes a reasonable request for more information, the deadline is 60 days after proof of loss, unless it has notified you of its reasons for not paying in full.
If the insurer misses the deadline and owes the claim, § 33-18-232(2) adds 10% annual interest from the date the claim was due.
Find the exclusion or condition the letter relies on, then read your declarations page and endorsements: deductibles, roof or cosmetic-damage terms, water damage limits and any matching or ordinance-or-law coverage.
Photograph and video every room and roof slope, keep damaged materials or samples when you can, and save invoices for emergency repairs. That record is what a reinspection, supplement or appraisal will rely on.
Most homeowners policies have an appraisal clause for disagreements about the amount of loss, not coverage. Read its exact steps, costs and deadlines before invoking it.
More on Montana claims: Montana public adjusters · Montana insurers and claim rules
Your agent sold the policy; the insurer’s claim staff decides the claim. A public adjuster works only for you, documents the full scope of damage and presents it, and you can keep your agent informed.
No. Farmers Union Mutual Insurance Company is a Montana insurer. Farmers Insurance is a separate national group. Check the company named on your declarations page.
Make temporary repairs to prevent more damage and keep receipts, photograph every elevation, and save weather reports for the date. Loose siding and lifted shingles can let water in later, so check the attic and walls too.
Under Mont. Code Ann. § 33-18-232, an insurer must pay or deny a claim within 30 days after receiving proof of loss, or 60 days if it makes a reasonable request for more information, unless it notifies you of the reasons. Late payments carry interest at 10% a year.
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Free review. Phone, Zoom or in person. We’ll tell you honestly what we see.
Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Farmers Union Mutual Insurance Company (Farmers Union Insurance). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.
