Claim guides and insurer tactics
What insurance companies do on claims, what your policy actually owes you, and when to bring in a licensed public adjuster. Written by AdjusterAlly from two decades on both sides of the claim table.
Florida Public Adjuster Contracts: Fee Exceptions and Cancellation Rights
Florida has more than a 20% and 10% fee rule. Learn which payments can trigger lower limits, what to check before signing, and how cancellation works.
Texas Hail Claim Dispute: Is a Public Adjuster Worth the Fee?
Before signing after a hailstorm, separate the disputed repair costs from the fee base. Texas allows a fee on the total settlement, with an important policy-limit exception.
The Appraisal Clause: Your Policy's Built-In Dispute Process
How the appraisal clause works, what disputes it can and cannot resolve, and when it makes sense to actually invoke it.
Your Home Was Declared a Total Loss. Here's What Happens Next.
What actually changes procedurally once an insurer calls your home a total loss, and why the first offer deserves scrutiny.
How Public Adjuster Fees Actually Work
Understand the fee rate, the payments it applies to, possible expenses, and the state rules that can change what you owe.
Six Common Insurance Denial Reasons, Decoded
What "wear and tear," "pre-existing damage," and other common denial reasons really mean, and how to tell a legitimate denial from a pretext.
The Four Different Insurance Claim Deadlines You Are Probably Confusing
A plain-English guide to the four different deadlines in a property claim, including Florida’s real statutory windows.
Why Your Insurance Claim Is Taking So Long, and What to Do About It
How insurers use delay to wear down claims, and the paper-trail tactics that force a decision and preserve your case.
How We Verify Licenses: Our Data Method
Trust on a directory should be checkable. Here is exactly where our data comes from and what each badge means.
When You Need a Public Adjuster (and When You Do Not)
An honest decision framework, from someone who spent twenty years on both sides of the claim table.
Additional Living Expenses: The Coverage People Forget to Claim
Loss of use is real money for real disruption, and it is the most underclaimed part of a policy.
Hail Damage and Your Roof: Why Quick Settlements Cost You Money
The fast hail check is designed to close the file. Roofs are rarely that simple.
Hurricane Season Claims: Preparing Before the Storm Hits
The best hurricane claim is documented before the cloud forms. A pre-season hour pays for itself a hundred times over.
Fire Claim Playbook: Document Everything Before You Clean Up
Fire claims are won with documentation in the first week. Here is the sequence.
Water Damage Claims: The Fine Print That Sinks Homeowners
Water is the most common and most technical property claim. The policy language decides more than the damage does.
Public Adjuster vs Insurance Company Adjuster: Who Actually Works for You
Same job title, opposite employers. The distinction decides whose interests your claim is being sized for.
What Does a Public Adjuster Cost? Fee Rules by State
Public adjusters work on contingency. The cap depends on your state, and the range is wider than most people expect.
Claim Denied? Your First Five Moves
A denial is the beginning of an argument, not the end of one. Run these five moves in order.
The Recorded Statement Trap: What to Say (and Not Say) After a Property Claim
A recorded statement is evidence for them, not for you. Here is how to handle the request without hurting your claim.
How Insurance Companies Lowball Claims (And What to Do About It)
The lowball is not an accident. It is a process with recognizable stages, and every stage has a counter.