08/27/2026
🚨 YOUR INSURANCE COMPANY PROBABLY KNOWS A LOT MORE ABOUT YOUR POLICY THAN YOU DO.
I've spent years dealing with insurance companies, adjusters, policies, estimates, denials, and lawsuits. One thing I've learned is that most people have no idea what they actually bought.
They know their deductible.
They know their monthly premium.
And that's about it.
So I'm going to start doing something a little different on here.
I'm going to answer the insurance questions that actually matter, before you find yourself learning the answer the hard way.
Things like:
🏠 Your roof gets hit by a storm. They agree there's damage but only want to repair part of it. Can they do that?
🏠 My insurer says a "similar" shingle can be used for repair. What next?
🏠 What the heck is an ITEL report?
🏠 Do I have to use contractors that my insurance company wants to send out?
🏠 The adjuster says your roof is “too old.” Does that actually matter?
💰 They withheld thousands of dollars in depreciation. Is that money gone, or can you get it back?
🚗 Your agent says you have “full coverage.” What the heck does that actually mean?
📄 Your insurance company sends you a declarations page and tells you that's your policy. It isn't. So what's actually in the other 50+ pages?
Homeowners. Roofs. Hail. Auto insurance. Wrecks. Adjusters. Denied claims. Your policy. Something your agent told you that doesn't sound right. Whatever.
Share the word. Put it in the comments or send it to me privately. I'll start picking questions and answering them here.