01 / Residential
Homeowner losses
Wind, hail, fire, water, and general property losses — documented thoroughly and communicated in plain language to the policyholder.
Cottleville, Missouri · Midwest coverage · CAT-ready
You shouldn't have to ask where the file is.
Finish Line Adjusters handles property and liability claims across the Midwest, and performs underwriting roof inspections for carriers writing new and renewal business. Every stage runs on its own clock, and the file is reviewed before it reaches your desk — not after you send it back.
Need coverage confirmed?
Call 636-248-2860 or send the county or ZIP,
your service level objectives, and the claim type. We confirm availability the same business day.
Claim lifecycle — split times
- 01ReceivedLogged on arrival
- 02Contacted≤ 24 hr
- 03Appointment set≤ 48 hr
- 04Inspected≤ 72 hr
- 05Uploaded≤ 24 hr post-inspection†
- 06QA approvedBefore it reaches you
- 07ClosedCarrier approved
Each stage carries its own clock. If one slips, the file flags on our board — so you hear it from us before you have to ask.
On time At risk Past due
† When a file can't run the normal clock
Path A
Initial report first
When you need eyes on a loss before the complete file exists, we send an initial report off the inspection — scope, photo set, and preliminary findings — and the full file follows behind it. You are never waiting on a finished package to make a decision.
Sent off inspectionPath B
Held for third-party documents
Fire marshal reports, engineer findings, police reports, contractor documentation: some files legitimately cannot upload on a 24-hour clock. Those move to a documented hold with a standing update cycle and follow-up requests kept on record — so a pending file never turns into a quiet file.
On a standing update cycle7
Timed stages tracked on every claim file
24HR
Target for first contact attempt after assignment
8
States regularly covered from our Missouri base
QA
Internal review on every file before it uploads
What we handle
Property, liability, and underwriting — one firm, one standard.
Daily volume or storm surge, field or desk, claims or inspections — the process and the file quality expectations stay the same.
02 / Commercial
Commercial & large loss
Field and desk support for commercial risks, including large-loss coordination and the detailed reporting those files require.
03 / Farm
Farm & outbuilding
Farm structures, outbuildings, machine sheds, and equipment — the risks the Missouri mutual market writes every day.
04 / Catastrophe
Storm deployment
Rapid deployment with the same process, the same file standards, and QA support when volume spikes after a storm.
05 / Liability
Liability claims
Bodily injury and property damage liability investigation — recorded statements, scene documentation, witness contact, and clear coverage and liability analysis.
06 / Underwriting
Underwriting roof inspections
Exterior and roof condition inspections for new business and renewals — complete photo sets, material and condition notes, and the report format your underwriters already use.
From the field
What we get called out to.
New service line
Underwriting roof inspections.
For new business and renewals: a complete exterior record of the risk before you write it. Drone overhead and at ridge level where the roof can't be safely walked, ground level for elevations, and condition notes that say what the photos show — age, material, wear, flashing, and anything that needs a second look.
We deliver in the format your underwriting team already uses — tell us the template and we'll match it.
Measured on site
What lands on your desk
An audit-ready file, the first time.
Nothing uploads until it's complete. That's the whole point of the QA stage.
- First contact attempted and documented within the target window
- Full photo set — overview, elevation, close-up, and test square
- Measurements, diagrams, and scope notes that support the estimate
- Clear file notes a reviewer can follow without calling us
- Initial report ahead of the complete file when you need it
- Itemized time and expense, tracked per assignment
- Status visible to management throughout, not just at close
Where we work
Missouri based. Midwest ready.
- Missouri
- Illinois
- Kansas
- Nebraska
- Arkansas
- Oklahoma
- Kentucky
- Tennessee
Working a county we don't list? Send it anyway. We'll tell you straight whether we have someone there — and if we don't, we'll say so rather than sit on the assignment.
For adjusters
Join the roster.
We're always talking to licensed independent adjusters for daily claims, liability work, underwriting inspections, and storm deployment. You'll know the expectations up front, and you'll get paid on a schedule you can plan around.
- Licensing — active adjuster license in at least one state
- Software — Xactimate and XactAnalysis experience preferred
- Equipment — ladder assist or drone capability a plus
- Availability — daily claims, inspections, storm deployment, or all three
- Standards — you'll get written file guidelines, not guesswork
Ready to assign?
Call us, email the assignment directly, or use the form if you'd rather send service level objectives, inspection requirements, and estimate guidelines along with it.
INCLUDE IF AVAILABLE:
Claim number · Loss type & date of loss
Insured name, address, phone
Coverage details & deductible
Service level objectives
Estimate platform & guidelines
Reach us
Talk to a person.
Office
5377 State Hwy N, Suite 545
Cottleville, MO 63304
St. Charles County