How Do Doctors Test If You Smoked?
I asked how doctors tell if you smoked—breath CO, blood, urine, saliva, hair—and saw how adjusters use those tests to prove smoke claims, with a sardonic smile.
How Do Doctors Test If You Smoked? Read More »
How Do You Counter A Lowball Settlement Offer?
Insurer sends a pittance after home damage? Fight back: document losses, get itemized estimates, write a firm counter, and recruit a public adjuster with smirk.
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Why Do Insurance Companies Offer Low Settlements?
Why do insurers offer low settlements? Because profits, panic, and fine print, and because you’ll sign. Learn how to fight back, Florida tips included.
Why Do Insurance Companies Offer Low Settlements? Read More »
How To Respond To A Lowball Offer From An Insurance Company?
Got a miserly insurance offer? Learn to document damage, demand fair pay, outwit adjusters, and reply with calm facts, grit, and a dash of civilized outrage….
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Which Is Not Considered An Employee In A Commercial General Liability Policy?
Who isn’t an ’employee’ under a CGL policy? Learn about contractors, volunteers, adjusters, and why it matters – with dry, David Sedaris-style wit and clear tips
Which Is Not Considered An Employee In A Commercial General Liability Policy? Read More »
What Does The Insured’s Product Under A Commercial General Liability Policy Does Not Include?
Curious what “your product” excludes under a CGL policy? I explain plainly with odd examples, Florida tips, and a wry nudge to avoid surprises. Read it, or cry.
Which Of The Following Is Not Covered By Homeowners Insurance?
Which losses won’t your homeowner’s policy pay? From floods to mold, find the exclusions, Florida tips, and what to do—told with sardonic clarity.
Which Of The Following Is Not Covered By Homeowners Insurance? Read More »
What Damage Is Not Covered By Homeowners Insurance?
Learn what homeowners insurance won’t cover-from floods to mold-so you can stop blaming fate and buy the right extras before Florida’s storms do it for you. Now
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What Type Of Insurance Covers Damage To Your Car?
Collision or comprehensive? Learn which insurance pays to fix your car after a crash, theft or storm — clear, sardonic guidance for the baffled driver. Read on.
What Type Of Insurance Covers Damage To Your Car? Read More »