In the unset­tling after­math of a cat­a­stroph­ic fire, the path to recov­ery may seem daunt­ing. The first 30 days after a fire are piv­otal in lay­ing the ground­work for a smoother claim process. Whether you decide to hire a Pub­lic Adjuster or not, here is the first part of a

Part II: Pub­lic Adjusters Guide For First 30 Days After A Fire Let’s dive into more of the items that need your atten­tion in the first 30 days after a fire. While there are many impor­tant things that you need to be pay­ing atten­tion to, THE most impor­tant thing to

Gain a clear under­stand­ing of the dif­fer­ences between Actu­al Cash Val­ue vs Replace­ment Cost Val­ue Nav­i­gat­ing the com­plex­i­ties of insur­ance claims can be chal­leng­ing, espe­cial­ly when it comes to under­stand­ing the val­u­a­tion meth­ods insur­ers use to cal­cu­late set­tle­ments. Two terms that fre­quent­ly arise in the prop­er­ty insur­ance world are “Actu­al

Should You Accept Ear­ly Insur­ance Pay­ments? Expe­ri­enc­ing a fire loss is an emo­tion­al­ly and finan­cial­ly drain­ing ordeal. The after­math can often feel like a maze of insur­ance claims, tem­po­rary liv­ing arrange­ments, and the daunt­ing task of rebuild­ing. Amid this chaos, receiv­ing an ear­ly insur­ance pay­ment, like an advance, can pro­vide

Mau­ry Coun­ty Tor­na­do 2024   One of my busi­ness part­ners, Hank Stop­pel­bein, and I spent much of yes­ter­day after­noon assess­ing the dam­age from the EF‑3 Mau­ry Coun­ty Tor­na­do that ripped through the Colum­bia, Ten­nessee, area last Wednes­day night. Most of the dam­age was in the coun­ty’s rur­al areas just east of

Is a Struc­tur­al Engi­neer Tru­ly Inde­pen­dent? A Case Study Prospect, Ken­tucky expe­ri­enced an EF‑0 or EF‑1 tor­na­do last week. Conor and I went up there to see for our­selves the extent of the dam­age. A cou­ple of homes had their roofs blown off, and oth­ers received some dam­age from trees

The path to recov­ery can seem daunt­ing after a tor­na­do has uproot­ed your life. Under­stand­ing how to nav­i­gate tor­na­do insur­ance claims effec­tive­ly is cru­cial for rebuild­ing. This guide aims to arm you with the essen­tials to give you peace of mind and max­i­mize your claim set­tle­ment. Patience is Key: Rush­ing

Con­sid­er­a­tions When Fil­ing A Claim Insur­ance com­pa­nies are no dif­fer­ent than any oth­er busi­ness; their objec­tive is to be prof­itable. Being prof­itable requires 1) increas­ing and sus­tain­ing rev­enues and 2) keep­ing costs to a min­i­mum. As long as you are pay­ing your pre­mi­ums (rev­enue to them) you are an “asset”.