How to document storm damage so your claim actually gets paidWhat to photograph, when to photograph it, and what to write down. The documentation that decides a claim is nearly all captured in the first week.
Insurance supplements: how to ask for more money and get itA supplement is a routine request to revise the scope when the repair turns out bigger than the estimate. Here is what a successful one contains.
Recoverable depreciation: the money the carrier is holding backYour first cheque was smaller than the estimate for a reason. Recoverable depreciation is money you are owed once the work is done — but only if you claim it properly.
What is a scope of loss, and how do you read yours?The scope of loss is the carrier's line-by-line description of your repair. Learn how to read one, what the abbreviations mean, and how to spot the lines that are missing.
Why your insurance claim was underpaid — and what to do about itMost underpaid claims are not a conspiracy. They are an arithmetic gap between the carrier's scope of loss and what the work actually costs. Here is how to find the gap and prove it.
Public adjuster or do it yourself? An honest comparisonA public adjuster works for you, not the carrier, and takes a percentage. Here is when that is worth it and when it is not.
Keeping receipts for an insurance claim: what counts and how to file itWhich spending belongs in a claim, which does not, and how to file receipts so the claim can actually be proved.
Loss of use and additional living expenses: what you can actually claimIf your home is uninhabitable, your policy usually pays the extra cost of living elsewhere. Here is what qualifies and what people forget.Stop keeping this in four places
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