Both sides of the table. One plain-spoken perspective.
I wrote policies as an agent. I evaluated claims as an adjuster. That combination is why I started this site — and why the guidance here is different.
I know what the file actually says
I spent years as a licensed insurance agent — learning how policies are written, sold, and explained. Then I crossed over and worked as a claims adjuster, which is where I learned how coverage decisions actually get made.
Most people navigating a claim or a coverage dispute don't know which questions to ask — or who to ask them to. Attorneys are expensive and often unnecessary. Agents have a product to sell. I don't have either of those pressures.
Everything here is my professional opinion, offered plainly. No gatekeeping, no referrals, no runaround.
Transparency on the record
Licensed Property & Casualty Insurance Agent — [State, License #]
Licensed Claims Adjuster — [State, License #]
Additional certifications and continuing education records — [Placeholder for owner to complete]
All guidance on this site is the personal professional opinion of a licensed insurance agent and adjuster. It is not legal advice. Consult a licensed attorney for legal matters.
Bring your situation. Get the actual numbers.
Describe what's happening with your claim or policy. I'll read it and give you a straight answer based on what the file should say.