An adjuster is applying a policy to a set of facts. Most claim disputes come down to whose description of the facts was written down first and in more detail.
Continue reading The adjuster is not your enemy and not your advocate. How to work with one
A customer collecting three quotes cannot judge the work. They can only judge the documents, which means the document is doing more selling than the price.
Continue reading Three estimates, one customer, and the one that wins is rarely the cheapest
Most small operations know their total for the year and nothing about which work produced it. The difference between those two facts is usually a whole category of job.
Continue reading Which jobs actually made money last year? Build a costing sheet in one evening
The decision is usually made weeks before the conversation happens. What separates a clean parting from a lasting problem is what is prepared beforehand.
Continue reading Six things to have ready before you let somebody go, and one to skip entirely
A complaint lands in a queue, in front of a person with a script and limited authority. Knowing what that person can and cannot do changes how you write it.
Continue reading What happens to your complaint after you send it, and what makes one get escalated
Exclusions read like a list of ways to be refused. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
Continue reading Seven exclusions in a homeowners policy, and the reason each one ended up there