After Isaias: The Claims Clock, the Wind/Flood Split, and the Paperwork That Decides Both
Date of loss: October 9, 2026. From that day, three clocks are already running on Florida Isaias losses. Clock Rule
Insurance Claims
Navigating property damage insurance claims, adjuster negotiations, Xactimate documentation, and maximizing claim outcomes.
Insurance Preferred Contractor Programs Explained
The short answer: when your insurer “recommends” a restoration contractor, you’re usually being routed into a managed repair network run
Water Damage Insurance Claim Tips: How to File and Get Paid
The short answer: successful water damage claims come down to three things — document before you clean, mitigate after you
How Do I Handle an Adjuster Reinspection?
The short answer: a reinspection is a second look at the property that you request when there’s something new to
What Documentation Actually Gets a Supplement Approved?
The short answer: a supplement gets approved on its documentation package, not its argument. The package is: the supplement written
What Do I Do When My Estimate Doesn’t Match the Adjuster’s?
The short answer: don’t argue the bottom line — compare the two estimates line by line, identify exactly which items
When Do I Supplement and When Do I Just Absorb the Cost?
The short answer: supplement when the work is real, caused by the covered loss, and you can document it —
Which Xactimate Line Items Do Adjusters Actually Approve?
The short answer: there is no published “approved list.” Adjusters approve line items that are (1) the correct item for
Carrier AI Is Now Grading Your FNOL. Here’s the Playbook.
Carrier-side AI like Benekiva’s Kiva now checks your FNOL for completeness before an examiner opens it. Here’s how to make every file complete on first submission.
What the Cat Model Prices, and What This Week Actually Did
A cat model prices a year for a book of business. A restoration week is one address. Both are real. They are not the same number.
The $7,986 Hiding in Your Xactimate — and Whether You Need an App to Find It
A September 11 demo reel showed AI finding $7,986 in missed Xactimate line items from field photos. Strip away the vendor marketing and it’s three things: a pipe, a checklist, and paperwork. Here is the operator math on build vs. buy.
A Claims Advocate Wrote the Guide. Contractors Should Read It Too.
Andy McCabe’s Claim Survival Guide teaches homeowners the same fundamentals good mitigation contractors already run — document first, don’t narrate causation, know RCV vs ACV. Worth forwarding.