

10 Commandments for Policyholders.
Common insurance pitfalls to avoid.
Secure the maximum settlement you're entitled to.
Protect yourself from tactics insurers use to wear you down.
Why your insurer’s “adjuster” does not represent you.
How to tell if your insurer is acting in bad faith.
When to hire a Public Adjuster, Appraiser, or Attorney.
Meaning of indemnity (and how it should protect you).
Legal requirement for insurers to act in good faith
Why you bear the burden of proof and how to meet it.
How to mitigate damage and document properly
Examples of underpayment and how to dispute them.
Stages of grief policyholders face after underpayment, denial or delay.

Whether you’re filing a claim on your home or business for fire, storm, water, hurricane, or flood damage…
You deserve to understand:
• Your policy benefits
• Your legal rights
• The claims process
• How to get the settlement you deserve

HOMEOWNERS

HOMEOWNER ASSOCIATIONS

Apartment Building Owners & Operators

Property Management Companies

Religious Organizations & Nonprofits

Commercial Building Owners

And they have a strategy: underpay, delay, deny, defend.

Thank you Scott!
Scott responded to my inquiry and took the time to listen and understand our unpleasant experience dealing with our insurance claim. Although I did not utilized his service, he gave me a sound, professional advice and offered to help when he referred me to his engineer. They replied promptly and I was able to have better understanding of the situation. Thank you Scott! - Haidee J.

I would highly reccomend!
Words can’t describe how grateful we are for the consultation and claim evaluation we had with Scott. Full disclosure we were unable to work with him due to limitations of our scope. We wanted to properly recognize Scott for the honest and genuine passion he put in to not only our claim, but the way he runs his business in general. We hadn’t had such clarity of next steps since this began in 2020. I would highly recommend this business to everyone spinning their wheels in this process!
- James M.

I came across this company and had none of those bad feelings!
This was not the first public adjuster I called. I called a different company first but they gave me a bad feeling on the phone. Too aggressive. Didn't feel trustworthy to me. So, I kept looking. I came across this company and I had none of those bad feelings. Scott, the guy who took my call, seemed very knowledgeable and I felt I could fully trust him. As it turned out, he told me that my claim was fairly simple and I didn't need the full scope of his service and fees. - Katie H.
⇒ Wind and storm damage.
⇒ Hail and roof failure.
⇒ Fire and smoke damage.
⇒ Flood and water intrusion.
⇒ Mold, collapse, theft.
⇒ Business interruption and ALE (loss of use).
⇒ Homeowners
⇒ Condo Associations
⇒ HOAs
⇒ Commercial building owners.
⇒ Churches, schools, and religious groups.
⇒ Apartment complexes and property managers.
⇒ Nonprofits with insured property.
Because they work for the insurer, not you. Their job is to minimize what’s paid. You need your own advocate.
Wheel Accepting the first settlement or waiting too long. Delays can ruin your ability to get paid fairly.
