9.4.09

CHAPTER 1 – (Part 1)

The Truth Will Set You Free

Not surprisingly, the vast majority of Americans I’ve handled claims for were not in possession of a thorough enough knowledge of what their Policies do and do not cover. Before I obtained my Adjusters License I had been a salesman for a large Roofing Contractor, and I had been involved in the completion of a lot of hail storm related roof replacements throughout my home state of Texas during that time. Throughout those years I had occasion to come upon a relatively large number of people who hadn’t been treated with proper consideration by their Insurance Adjusters. And being an Insured man myself, learning of this really made me angry.


While in the Roofing Business, I had opportunity to help scores of Homeowners get what they had coming to them by negotiating with their Adjuster, which ultimately led me to pursue a career as an Adjuster who looked after the better good of the people. My approach and governing motive to handling claims was simply this:
What if these people were my family? How would I want them to be treated? And treated every Insured and every claim I handled accordingly.

The reason even highly educated people do not know their Policy well is due in large part to the well known fact that they are difficult to read and comprehend. In all truth, the standard Homeowners Policy makes for a horribly boring and confusing read. For this reason, most Homeowners have never read their Policy at all. And many more still actually go through life believing that everything and anything that could ever possibly come to damage their property is covered, and are often of the mind that even the most thorough and caring Adjuster is cheating them when they’re told:
Sorry, no Coverage.

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