FLOYD R. GIBSON, Circuit Judge.
Appellant Jerry J. Kerr insured his property against flood loss through the Federal Emergency Management Agency ("FEMA"). On May 7, 1993, Kerr's property, located in Belton, Missouri, suffered flood damage. Kerr notified FEMA of the loss, and FEMA assigned Bellmon Adjustors, Inc. ("Bellmon") to adjust Kerr's claim. When FEMA denied Kerr's claim, Kerr sued Bellmon under a negligence theory and asserted that Bellmon undertook an independent...
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