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Montana public adjusters · Mountain West Farm Bureau claims
Mountain West Farm Bureau denied your Montana home claim or paid less than the repairs cost? We read the policy, inspect the damage and compare it line by line with the insurer’s estimate. The review is free.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Mountain West Farm Bureau Mutual Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Mountain West Farm Bureau was founded in 1948 by the Wyoming Farm Bureau Federation to insure the state’s agricultural producers. Headquartered in Laramie, Wyoming, it expanded to Montana in 1958 and to Colorado in 2011 through its subsidiary 360 Insurance.
In September 2026, Farm Bureau Insurance Company of Idaho completed its acquisition of Mountain West, according to the Idaho Business Review. Mountain West continues operating under its existing brands in Wyoming, Montana and Colorado, and the Laramie office remains a key operational hub.
Mountain West Farm Bureau is 6th among Montana homeowners insurance groups (5.45%), 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 Mountain West Farm Bureau’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.
Smoke and ash can get into HVAC systems, insulation and soft goods even when a home doesn’t burn. Testing and a room-by-room cleaning scope help document it.
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.
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
According to the Idaho Business Review, Mountain West continues operating under its existing brands and policyholders keep working with their local agents. Your claim is decided under the policy you had on the date of loss and Montana’s claim rules.
Document each structure separately with photos and measurements, and check which coverage applies: dwelling, other structures or farm property. Different parts of a farm-and-ranch policy can have different limits and deductibles.
Yes. We inspect the home and outbuildings, document the damage, prepare a detailed estimate and handle the back-and-forth with the insurer.
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.
Sources checked September 27, 2026.
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 Mountain West Farm Bureau Mutual Insurance Company. 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.
