Your insurance policy is a one-year legal contract. You may receive endorsements that say “Read carefully and put with your policy, this changes the terms.” Endorsements can give your insurance company the option to manage your repair, vs. allow you to repair your home to your standards, or limit water damage to $10,000, or invoke mandatory appraisal, and more.

If you have a claim, this can cost you tens of thousands of dollars.

Having settled over 1,000 claims as a Public Adjuster, I’ve been referred many clients who think they have good coverage, but have policy terms or endorsements that severely limit their coverage. This limits what you can be paid for your claim.

Shopping for insurance coverage by premium cost isn't wise; it can be a costly mistake. It’s vital to know what is or isn’t being covered.

When you receive a policy renewal notice, don’t blindly pay the premium without a knowledgeable review of the coverage. Insurance agents sell coverage. They don’t process claims.

You’re welcome to email me your policy for review - this is complimentary, no fee. I’ll point out any coverage issues and recommend options for you to discuss with your agent.