Category Archives
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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
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
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
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