Claims & Disputes
A yearly insurance review across everything
One afternoon covering every policy, catching the gaps that open quietly as circumstances change.
Claims & Disputes
Filing, documenting, denials and how to push back.
Claims & Disputes
What we would tell someone buying their first policies
The principles that survive across every line of insurance, from three people who have spent careers on different sides of them.
Claims & Disputes
Choosing an insurer, not just a price
The policy is a promise to pay in circumstances you cannot predict, and who makes the promise matters as much as what it costs.
Claims & Disputes
Small claims court and other routes when appeals fail
When internal appeals, external review and the regulator have not resolved it, several routes remain and they vary enormously in cost.
Claims & Disputes
Fraud, exaggeration and the line between them
Adding a little to a claim feels harmless and is not, and the consequences extend well beyond the amount added.
Claims & Disputes
Public adjusters: what they do and when to hire one
A licensed professional who represents the policyholder rather than the insurer, paid a percentage, useful in some situations and not others.
Claims & Disputes
Complaining to the regulator, and when it works
A free escalation route that produces a formal insurer response, and that many policyholders do not know exists.
Claims & Disputes
The examination under oath and other formal requests
A contractual right insurers hold to question you formally, which appears in larger claims and should be taken seriously.
Claims & Disputes
Bad faith: what it means and when it applies
Insurers owe a duty beyond the contract, and where they breach it the remedies can exceed the policy limits.
Claims & Disputes
Documenting a claim so the record supports you
Claims are resolved on the file. Building a good file is a skill, and it is mostly about doing dull things consistently.
Claims & Disputes
When a claim is denied: reading the letter properly
A denial is a position, not a verdict, and the letter tells you exactly what to argue against.
Claims & Disputes
How to file a claim so it gets paid
From someone who spent eight years on the other side of the phone: what actually determines whether a claim goes smoothly.