Claim workflows that survive carrier review.
The work between first notice of loss and settlement, documented step by step: the site walk, the drying log, the scope, the sworn proof, the reopening letter.
Each workflow is written the way the file actually moves, with the statutes, artifacts, and carrier pushback named at the step where they show up.
Workflow
The Late-Notice Expert Report: What Florida's Second District Just Approved
Six late-notice causation affidavits have been graded in published Florida appellate opinions. Wild Oak Bay is the first one a court walked element by element and held sufficient. Three survived summary judgment, three did not, and the split is not where most reports assume.
9 min read
Workflow
Xactimate Scope Gaps: Sorting a Measurement Fight From a Coverage Fight
The line item a carrier left off an Xactimate estimate is rarely one argument. It is a quantity question, a code question, or a coverage question, and each is won with a different attachment to the supplement.
3 min read
Workflow
Mold Claim Documentation: Air Sampling, Containment, and the Sworn Proof of Loss
Two identical supply-line failures, an $9,400 gap and a $61,000 settlement. A public adjuster's workflow for measuring the affected area, sampling with an outdoor control, and building a mold file that survives a sworn proof of loss.
8 min read
Workflow
Water Mitigation Documentation: Drying Logs, Equipment, and Carrier Pushback
How public adjusters document a water dry-out — category and class calls, daily psychrometric drying logs, and Xactimate WTR equipment — so the mitigation invoice survives carrier review.
7 min read
Workflow
How a Public Adjuster Documents a Hail Roof So It Survives Re-Inspection
Two roofs, one hailstorm, an $18,000 gap in the payout. What separates a paid hail replacement from a cosmetic denial is the test square, the storm record, and the policy language — here is how to put each in the file.
5 min read
Workflow
Fire Claim Scope Workflow: From Site Walk to Sworn Proof of Loss
How a public adjuster works a fire file in sequence — the site walk, the five-layer scope, the contents inventory, and the sworn proof of loss that becomes the number you can't walk back.
7 min read