Chapter guides
How to read the claim before the carrier writes it
Original guides from American Financial Claims, inspired by the themes in The Insurance Game: And How To Win It. They are not excerpts. Use them to avoid early mistakes, document the loss, and see what a public adjuster actually does. Then download the free digital edition.
Talk to a licensed public adjuster before you talk to your insurer. Public adjuster services
Five guides. One claim file.
Start with the carrier’s side of the table, then the mistakes that happen in the first two days, the documentation that makes a file hold up, the ways an estimate comes in short, and the public adjuster’s job.
01 · The Insurance Game · Part I · 4 min
How insurance carriers actually handle a property claim
A plain-language map of desk adjusters, field inspections, and the policy contract, so you know who is deciding what before you pick up the phone.
02 · The Insurance Game · Part II · 4 min
Property claim mistakes people make in the first 48 hours
The early errors that shrink a claim: casual statements, thrown-away materials, the wrong contractor, and signing papers you have not read.
03 · The Insurance Game · Part III · 4 min
How to document a property insurance claim so the file can stand up
Photos, moisture, contents, and a room-by-room record. What belongs in the claim file before anyone argues about price.
04 · The Insurance Game · Estimates · 4 min
Carrier estimate tactics that leave a property claim underpaid
Missing rooms, cheap material grades, depreciated totals, and delays that wear you into accepting the first number.
05 · The Insurance Game · Your side · 4 min
What a public adjuster actually does on a property claim
The policyholder-side role: document, estimate, and present. When it helps, when it does not, and why the call should happen before the insurer’s inspection.
Free digital edition
Download the book these guides point to.
The form on the book page emails the free digital edition. American Financial Claims does not ask you to pay on this site to read it. If you already have a claim open, call before you call the carrier.
Educational information only, not legal advice. These articles are original. They are not passages from the book. Coverage and outcomes depend on your policy, your state, and your facts.