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7 Things Adjusters
Don't Tell You

I adjusted claims from the inside. These are the things I knew, that almost no policyholder ever finds out until it's too late.

1
The first estimate is a starting position Not a verdict. Not a final offer. A starting position.
2
O&P is owed on most multi-trade jobs 20% missing on a $35,000 repair is $7,000 left behind.
3
RCV policyholders have a second payment Most never collect it. The money stays with the carrier.
4
Adjusters look for pre-existing damage first Before anything else. Every inspection.
5–7
Three more reveals inside the free guide Including the appraisal clause most policyholders have never heard of.
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What's inside the guide
The 7 Things I Watched Policyholders
Learn the Hard Way.

Each one is real. Each one is documented from inside the industry. Each one is something you can act on today.

1
Reveal One
The First Estimate Is a Starting Position, Not a Verdict
The number an adjuster delivers after an inspection is calculated under time pressure, with a methodology that is not designed to find everything. It almost never does. The supplement process exists. Most policyholders never use it.
2
Reveal Two
O&P Is Owed on Most Multi-Trade Jobs, and Routinely Left Out
When a repair requires a general contractor to coordinate three or more trades, a 20% markup is standard. On a $35,000 repair, that is $7,000. It gets excluded constantly. Most policyholders do not know to ask for it.
3
Reveal Three
If You Have RCV Coverage, There Is a Second Payment
Under a Replacement Cost Value policy, payment comes in two stages. The depreciation held back on the first payment is released after repairs are complete. It has a deadline. Most RCV policyholders never submit for it. The money stays with the carrier.
4
Reveal Four
Pre-Existing Conditions Are Documented Before Damage Is Evaluated
Every inspection begins with a search for what was already there. Granule loss, water staining, worn caulk, all documented as a basis for reducing scope. Knowing this tells you exactly what to prepare before they arrive.
5
Reveal Five
A Denial Is a Starting Position Too
Denials are sometimes wrong. A misapplication of policy language. An investigation that missed evidence. A determination made faster than it should have been. Many denials, challenged with specific documented counter-arguments, are reconsidered. Most policyholders never appeal.
6
Reveal Six
Most Policies Have an Appraisal Clause, and Almost Nobody Knows It Exists
A formal dispute resolution mechanism built into most homeowners policies. Either party can demand it. Two independent appraisers, one neutral umpire. Any two of three agreeing is binding, without litigation. Most policyholders have never heard of it.
7
Reveal Seven
Coverage D, ALE, Starts Day One
If your home is uninhabitable from a covered loss, Additional Living Expenses coverage pays from day one. Hotel, meals, storage, laundry, pet boarding. It does not require a separate claim. It requires receipts. Most displaced policyholders absorb these costs out of pocket, costs that were completely covered.
Why this matters

Most people think the insurance company
decides what their claim is worth.

The documentation decides.

An adjuster does not invent a number. They build an estimate from what has been scoped, photographed, itemized, and proven.

Everything downstream, the payment, the supplement, the depreciation, traces back to what was captured, and when.

Every one of these seven things
is something you can act on.

Why this exists
You're learning this for the first time,
during the worst week of your life.

That's not a failing. Nobody prepares for a claim they've never had.

I worked as a licensed insurance adjuster. I wrote the estimates, understood the system, and saw what happened behind the closed file.

Then I became the policyholder. Pregnant. Displaced with four kids. Living in hotels and an RV while an insurance company investigated my family for fraud we did not commit. They found nothing. Because there was nothing.

But in those moments, being suspected instead of helped, I felt like I had lost everything.

The gap between what the insurance company knows about your claim and what you know is not an accident. It costs policyholders real money, real time, and real peace of mind every day.

ClaimCompass exists because that information gap is real. And it is closeable.

Questions
Before You Download
Is this actually free?
Yes. Enter your name and email. The guide arrives instantly. No credit card, no trial, nothing owed.
I don't have an active claim. Is this still relevant?
Especially then. Understanding these seven things before a claim happens puts you in a fundamentally different position when one does. Most of what costs policyholders money is set in motion before the adjuster ever knocks on the door.
My claim is already closed. Is it too late?
For the closed claim, possibly, depending on whether a release was signed. For every future claim, this is exactly the preparation that changes outcomes.
What happens after I download it?
You'll receive the guide immediately. Over the next several days, I'll share additional resources and tools from ClaimCompass. You can unsubscribe any time, one click.
What if I need more than a guide?
ClaimCompass has a full path: The First 72 Hours checklist (free), The Claim Blueprint™ ($47), The Claim QuickStart Toolkit™, and The Claim Command Center™. When a situation needs professional eyes, a disputed estimate, a denied claim, a potential appraisal, Graham Locke & Co. provides flat-fee claim consulting.
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The insurance company had this information
on day one of your claim.

Now you do too. Free. Instant. From someone who has been on the other side.

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