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The line between storm damage and an old roof decides most residential property claims, and it is decided on paper rather than on the roof itself.
Continue reading A Roof Claim Denied as Wear and Tear Reopened on the Strength of Three Documents
The mechanics of finding somebody have changed almost completely in twenty years. The part that decides whether the hire works has not moved at all.
Continue reading Twenty Years Between Two First Hires: What Changed and What Refused To
An adjuster applies a policy to a set of facts. Most claim disputes come down to whose description of those facts was written down first and in more detail.
Continue reading Not Your Enemy and Not Your Advocate: How to Work With a Claims Adjuster
A complaint lands in a queue in front of somebody with a script and limited authority. Knowing what that person can and cannot do changes how you write it.
Continue reading The Queue Behind the Contact Form: What Happens to a Complaint After You Send It
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
All three feel like costs of earning a living, because they are, and all three are generally not deductible. One piece of reasoning explains every one of them.
Continue reading Commuting, Lunch, and Work Clothes Are the Three Costs People Assume Are Deductible