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Three ways to end a dispute over a modest amount, priced honestly. The one people dismiss out of hand is sometimes the right answer.
Continue reading Small claims, mediation, or writing it off. What each route costs in money and time
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
Several different deadlines run at once in any dispute, set by different people, and the earliest one is usually the one nobody mentions.
Continue reading The clock on a dispute starts before you know you have one. Deadlines that matter
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
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