Montana public adjusters · Claims by insurer
Montana home insurance claim denied or underpaid?
Montana homeowners file claims for hail, wind, wildfire and smoke, heavy snow loads and frozen pipes. Montana law sets a 30-day pay-or-deny deadline after proof of loss, with interest on late payments.
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- Montana public adjuster license 3004204499
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Largest home insurers in Montana
Ranked by homeowners market share, insurance group level, as published by Truvo citing NAIC Market Share Reports (2025 data). Not a regulator publication; see the note below.
| # | Insurer | Share |
|---|---|---|
| 1 | State Farm | 24.43% |
| 2 | Liberty Mutual | 14.64% |
| 3 | Farmers | 12.08% |
| 4 | USAA | 9.36% |
| 5 | Travelers | 7.17% |
| 6 | Mountain West Farm Bureau | 5.45% |
| 7 | Chubb | 3.49% |
| 8 | Allstate | 3.11% |
| 9 | American Family | 3.01% |
| 10 | Farmers Union Mutual | 2.07% |
Source: Truvo, Montana home insurance market (citing NAIC Market Share Reports, 2025 data, group level). Weaker data: the Montana Commissioner of Securities and Insurance does not publish a homeowners ranking we could find, so this list comes from an insurance marketplace that cites NAIC data. Treat positions as approximate. Each name links to its claim guide. Market share describes size only; it says nothing about how any claim was handled.
Don’t see your insurance company?
Don’t worry. We can most likely represent you with your Montana carrier too. Every claim is different, so we’ll tell you honestly after a free review.
Start my free claim reviewState Farm writes about a quarter of Montana’s homeowners premium in this data, and the top five national groups together write about two-thirds.
Montana claim rules and what to do after a denial or low offer
- 1
Know the 30-day pay-or-deny rule
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.
- 2
Interest on late payment
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.
- 3
Read the exact policy language cited
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.
- 4
Document the damage before repairs
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.
- 5
Use the policy’s appraisal clause if the fight is about the amount
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 insurance claim FAQ
How long does an insurer have to decide my claim in Montana?
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.
Is AF Claims licensed in Montana?
Yes. AF Claims (American Financial Claims) holds a Montana public adjuster license 3004204499. We represent policyholders only, never insurance companies, and we can inspect in person, by phone or by video.
My insurance company isn’t listed. Can you still help?
Yes. The list shows the largest home insurers by market share, not the only ones. Montana’s claim-handling rules apply to every insurer licensed in the state, and the review works the same way whoever wrote your policy.
Can you guarantee the insurer will change its decision?
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.
What does the review cost?
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.
Sources
- Truvo, Montana home insurance market (citing NAIC Market Share Reports, 2025 data, group level)
- Mont. Code Ann. § 33-18-232, time limit for payment or denial of claims
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. 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. Montana public adjuster license 3004204499. 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.