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Insights & News

The Reality of the Insurance Contract

Insurance policies are legally binding contracts—and missing a single required document, like the Proof of Loss, can result in a denied claim. Here’s what every policyholder must know.

Lions and Tigers and Bears—Oh My Insurance!

Blowtorches and Collapsing Coral: The Craziest Claims I’ve Adjusted (So Far!)

HOLY CRAP! I Hope That Sewage Is on the Inside of the House

All insights

December 18, 2025

The Homeowner’s Coverage Checklist: Are You Actually Protected?

Before renewing your homeowners policy, run through this essential checklist to uncover coverage gaps that could cost you six figures after a loss.

December 18, 2025

ACV vs. RCV: Will Your Insurance Payout Actually Cover a New TV?

Actual Cash Value vs. Replacement Cost Value can determine whether your insurance payout replaces what you lost—or leaves you paying out of pocket. Here’s what to know.

December 18, 2025

HO3 vs. HO5: Is Your “Standard” Policy Leaving You Exposed?

HO3 policies are common—but HO5 policies offer broader protection. Learn the key differences and why upgrading could prevent costly claim denials.

December 18, 2025

Ever Wondered What Those Tiny Codes at the Bottom of Your Insurance Policy Mean?

Those small codes at the bottom of your insurance policy aren’t random. Learn how forms like HO3 and HO5 reveal what’s covered, what’s excluded, and how your policy was written.

December 5, 2025

The Hilariously Confusing World of Insurance Vacancy Clauses

Insurance policies can define “vacant” in wildly different ways. Learn why occupancy, maintenance, and construction status can make—or break—your claim.

December 7, 2025

The Seepage Exclusion: The Silent Killer in Your Home Insurance Policy

A slow leak can trigger a fast claim denial. Learn how the seepage exclusion works, why insurers rely on it, and what you should do now to protect yourself.