Reference material for the working file.
Templates and preparation references built for real files: the demand letter with an annotated example, the letter of representation, the sworn statement in proof of loss, the examination under oath.
These are the documents that get quoted back to you later. Each reference explains what every clause is doing and which statute or case it leans on.
Reference
Contents Inventory Template: Six Fields That Release the Holdback
The carrier's contents inventory aid collects quantity, age and condition, which are the inputs to computing depreciation rather than recovering it. A reference for public adjusters on the per-item comparable and per-item deadline that actually move a holdback.
9 min read
Reference
NFPA 921 Isn't Mandatory. Invoking It Is Binding.
Courts keep declining to make NFPA 921 the required method for fire investigation. They keep excluding investigators who claimed it and then departed from it.
3 min read
Reference
The Xactimate Scope-Writing Checklist Verisk Already Published
A field-ordered Xactimate scope checklist built from Verisk's own 2,117-rule XactXpert library, tying each step to the F9 note, photo, or certification competency that pre-answers a desk adjuster's objection.
9 min read
Reference
Your Hurricane Date of Loss Isn't the Landfall Date
Florida's hurricane date-of-loss window opens at an NHC hurricane warning and closes 72 hours after the last watch or warning ends, not at landfall. Here is the record that proves it, and the certified copy that survives a coverage fight.
4 min read
Reference
First Notice of Loss: A Timing Decision Tree
Three states use a one-year notice window and produce three different outcomes. The first branch of an FNOL decision tree is not geography, it is who drafted the deadline: a legislature or an underwriter.
9 min read
Reference
The Sworn Statement in Proof of Loss: A Field-by-Field Reference for Public Adjusters
The proof of loss is the one page a policyholder signs under oath, and the fastest place on a claim to lose money. A line-by-line reference for public adjusters.
8 min read
Reference
The Property Insurance Demand Letter: A Working Template and Annotated Example
How public adjusters structure a first-party property demand that carriers actually answer — the anatomy, the Texas and Florida statutory clocks behind the number, and an annotated sample.
6 min read
Reference
Examination Under Oath: A Public Adjuster's Preparation Reference
An EUO notice doesn't mean a claim is dying — but walking in without a clean file and a prepared client can end it. Here's what public adjusters need to know before the court reporter arrives.
7 min read
Reference
Letter of Representation for Public Adjusters: What It Says, Why It Matters, and a Working Template
The LOR is the smallest document on a property claim file and one of the most consequential. What goes in it, how state law treats it, where it breaks down, and a working template a firm can adapt the same day.
7 min read