I am a contractor that works in both Kansas & Missouri. My question is how long does a homeowner have to complete repairs once they have filed a claim. Many insurers say that the repairs must be completed within 12 months. Is this time frame set in stone? The reason I ask is that we have customers still contacting us more than 12 months after the original date of loss to get their repair work done, and I dont want to waste anyones time if the insurance company isnt required to pay any additional money after 12 months. Please let me know what the law is in both Kansas & Missouri in terms of the time frame an insured has to complete the repairs to their home?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.