Guides
claim-type
- Commercial and business interruption claims
- Fire and smoke claims: the inventory is the claim
- Flood claims: a different policy, different rules
- Hail claims: the invisible-damage dispute
- Hurricane & wind damage claims: where they go wrong
- Mold claims: coverage rides on the cause
- Roof claims: repair, replace, and the matching fight
- Water and pipe-break claims: the 14-day problem
decision
enforcement
money
- Five states bar percentage fees when insurers pay policy limits within 72 hours
- Louisiana public adjusters can't charge a percentage — what they charge instead, and the 72-hour rule that mirrors Texas
- Texas: if your insurer pays policy limits within 72 hours, a public adjuster can't take a percentage at all