Category Archives
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The line between storm damage and an old roof is where most residential property claims are actually decided, and it is decided on paper rather than on the roof.
Continue reading A roof claim denied as wear and tear, and the three documents that reopened it
The most expensive fraud a household is likely to encounter arrives as a routine message from a person they have been corresponding with for weeks.
Continue reading The email that changes the wiring instructions, and why it arrives on closing day
The first two hours decide most of what this costs. The order matters more than the effort, and two of the ten steps take under a minute each.
Continue reading Water is coming in right now. Ten things to do, in the order they matter
A claim is not free even when it is paid. The question is whether the payment exceeds what filing costs you across the next several renewals.
Continue reading Should you file this claim? The arithmetic that decides it before you call
The mechanics of finding somebody have changed almost completely in twenty years. The part that decides whether it works has not moved at all.
Continue reading Hiring a first crew member then and now. What changed, and what did not
Most families use all four and rarely decide the proportions deliberately. The order you draw on them changes the total cost considerably.
Continue reading Savings, income, loans, or a job. Four ways households pay for a school year