Free Insurance Claim Guides
Written by a licensed California Public Adjuster with decades of experience on both sides of the claims process. No fluff, no sales pitch — just the knowledge you need to protect yourself.
4 Guides
57 total pages
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Expert Written
By a licensed Public Adjuster
Games Insurance Companies Play
How carriers minimize your claim — and what you can do about it. Covers lowball offers, delay tactics, depreciation abuse, scope shrinking, preferred vendor traps, and policy language weaponization.
- ✓7 common tactics insurance companies use to underpay claims
- ✓How to recognize and counter lowball offers
- ✓Your rights when the carrier delays your claim
- ✓Step-by-step action plan for before and after filing
- ✓What a public adjuster does and when to hire one
The Appraisal Process Explained
Your most powerful tool when the insurance company won't pay what you're owed. Learn how appraisal works, when to invoke it, and how to win.
- ✓Step-by-step walkthrough of the appraisal process
- ✓When to invoke appraisal (and when not to)
- ✓How to choose the right appraiser
- ✓The umpire's role and how to influence the outcome
- ✓How insurance companies try to undermine appraisal
ACV vs. RCV: The Depreciation Trap
How insurance companies shortchange your claim payout through depreciation abuse. Understand ACV, RCV, recoverable depreciation, and how to fight back.
- ✓ACV vs. RCV explained in plain English
- ✓The two-check system and your second payment
- ✓Why blanket depreciation percentages are wrong
- ✓States where labor depreciation is illegal
- ✓The matching problem and how to fight for it
What Your Policy Actually Covers
A policyholder's guide to understanding homeowner's insurance. Your policy is more generous than you think — and more generous than your insurer wants you to know.
- ✓The 6 parts of your policy explained in plain English
- ✓Open peril vs. named peril — know the difference
- ✓Coverages most people don't know they have
- ✓Common coverage disputes and how to fight denials
- ✓Why state law can override your policy language
Want to Go Deeper?
Our premium guides include templates, sample letters, annotated examples, and step-by-step strategies you can apply directly to your claim.
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