Know what to ask for before you accept anything.
Written for homeowners and renters in the middle of a claim. No jargon without an explanation, and honest about when you need a professional.
Additional Living Expenses (ALE): A Complete Claim Guide
If you can't live at home after a covered loss, ALE pays the extra costs. What counts, how long it lasts, and how to track it so you get paid.
The Appraisal Clause in Home Insurance, Explained
Appraisal can settle a dispute over how much your loss is worth without a lawsuit. How it works, what it costs, and when it is the wrong tool.
How to Build a Contents Inventory After a Total Loss
Lost everything in a fire or storm? A practical, room-by-room method to rebuild your contents list from memory, phones, and purchase records.
Public Adjuster vs Doing It Yourself: How to Decide
A fair look at when a public adjuster or attorney is worth the fee, when you can handle your home claim yourself, and what each option costs.
What Adjusters Leave Out of Home Insurance Estimates
Overhead and profit, code upgrades, matching, debris, permits, and recoverable depreciation: the costs most often missing from first estimates.
What to Do When Your Insurance Company Lowballs Your Home Claim
The first offer on a home claim is often incomplete. Here is a step-by-step way to find the gaps, document them, and respond in writing.