Claim guides and 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.
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.
Read the guideWhen 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.
Read the guideAdditional 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.
Read the guideHail 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.
Read the guideHurricane 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.
Read the guideFire Claim Playbook: Document Everything Before You Clean Up
Fire claims are won with documentation in the first week. Here is the sequence.
Read the guideWater 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.
Read the guidePublic 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.
Read the guideWhat 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.
Read the guideClaim Denied? Your First Five Moves
A denial is the beginning of an argument, not the end of one. Run these five moves in order.
Read the guideThe 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.
Read the guideHow 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.
Read the guide