Blog
May Newsletter 2013
May is here and it feels like June! Now before you break out the sunscreen, may I suggest you verify a different kind of coverage? This month's video illustrates how complacency in coverage can really burn. A tenant lets a water leak go unreported and only notifies...
Home Repair Advocacy for Insurance Repairs
"Insurance companies rely upon the ignorance of their own policyholders. An uninformed policyholder will rarely argue with an adjuster, because they don't know what they don't know." –Russell Longcore Insurance Claim Secrets Revealed! 2006 You're an informed consumer...
What Is an Independent Estimator?
It has come to my attention that most people don't understand just what it is that I do for a living. I'll admit that the term "independent estimator" is fairly ambiguous. It's not like I'm a plumber or mechanic. So here is a brief video explaining my role as...
An Open Letter to Contractors Interested in Insurance Repairs
Dear Mr. Contractor, I'd like to share a little about what exactly it is that I do and where you can go for more information. I help contractors do insurance work so that: They get paid quickly They make 35% gross profit on every job (at least) They increase...
The Adjuster Mindset
Insurance adjusters are not the bad guys (or girls). I’d like to take this opportunity to make the point that insurance adjusters have jobs to do just like you and me. There are several critical steps in an insurance claim and the adjuster plays a key role in each...
Changing the Game
“Beginning in the 1990s... insurance companies reconsidered [their] understanding of the claims process. The insight was simple. An insurance company’s greatest expense is what it pays out in claims. If it pays out less in claims, it keeps more in profits....
Can you use Insurance Money to Remodel Your Home?
Yes you can. However, you should be aware that there are some extra steps required, and you will want a contractor who is experienced in dealing with insurance companies. An insurance claim can be a great excuse to finally do that remodel project you’ve wanted to get...
Coverage Basics
Coverage Basics A standard home insurance policy provides you with six different types of coverage. Each type of coverage has different policy limits and is designed to cover you for different things. Your deductible only applies once for a covered event, no matter...
How NOT to Pay Your Deductible
Too many homeowners don’t file a claim because they are afraid of their deductible. They may not have the money, and are afraid “paying your deductible” means money out of their pocket. That is not true. Your insurance company will subtract your deductible from the...
Should I Turn in a Homeowner’s Claim?
The decision to file a homeowner’s insurance claim should be taken seriously. Insurance companies track and share your claims history using the Comprehensive Loss Underwriting Exchange, or CLUE. A history of frequent claims can cause an insurance company to cancel...