Attorney Firm — St. Louis, MO
The carrier has a legal team. You should too.
Schultz & Myers is a St. Louis-based insurance attorney who handles the cases carriers hope policyholders will abandon: denied claims, unreasonable delays, lowball offers, and outright bad faith. If your carrier has stonewalled, lowballed, or denied your claim, Schultz & Myers can tell you whether you have a case — and what it's worth.
Tell Schultz & Myers about your claim.
Tell the story of your loss and share your policy and damage photos.
Independent review of your claim — scope, policy, and carrier position.
A clear next step tailored to your situation, with written recommendations.
Ongoing advocacy through documentation, negotiation, and settlement.
When a carrier is acting in bad faith, stonewalling, or flatly denying coverage, litigation is the tool that makes them respond.
Most insurance attorneys don't charge upfront. Statutory fee-shifting provisions in many states make the carrier pay if you win.
Claim-related lawsuits have hard deadlines. A brief consultation can tell you whether the clock is close to running out on your claim.
Illustrative examples of how common claim types unfold in Missouri — general education, not results of Schultz & Myers. Actual outcomes depend on policy language, damage, and timing.
A common scenario: a supply line fails overnight and part of a ceiling comes down. Initial carrier scopes often cover cosmetic drywall repair and only a fraction of the flooring. Thorough moisture mapping, cabinet-box damage documentation, and code-required electrical work frequently expand the covered scope enough to bring a home back to pre-loss condition.
Carriers sometimes deny roof replacement after a hail event, calling the damage cosmetic. A fresh inspection with calibrated roof-test squares, shingle mat cross-sections, and NOAA storm-data pairing can establish whether a supportable replacement case exists — and denials do get reversed when the documentation holds up.
Initial carrier estimates frequently miss covered line items. Careful scope review, supporting photographs, and code-required documentation are the basis for supplemental payments — the standard path for returning a policyholder closer to whole after an underpaid claim.
Be the first to share your experience with Schultz & Myers.
Possibly. If your claim was denied, underpaid, or unreasonably delayed, Missouri law may give you a cause of action — including bad-faith and statutory remedies. An insurance attorney can tell you whether litigation is worth pursuing.
Many insurance attorneys work on contingency — a percentage of the recovery, typically paid only if you win — and some offer free initial consultations. Statutory attorney's-fees provisions in Missouri can also shift fees to the carrier in some cases. Confirm fee terms before engaging.
It varies. Many cases resolve in mediation within 6–12 months of filing. Complex bad-faith or large commercial cases can take longer — ask for a realistic timeline during the initial review.
Public adjusters handle the claim itself — documentation, negotiation, recovery. Attorneys handle the legal fight when the carrier won't play fair. Many successful claims use both, often in sequence.
General information about how attorneys work in Missouri — not statements written by Schultz & Myers.
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