Claim Tips - HomeClaimGuide

How Does a Public Adjuster Work? The Process and Timeline From First Call to Final Check

Apr 23, 2026 by Rachel Monroe

The public adjuster process starts with a free, no-obligation initial review of your damage and policy to determine if there is actually room to increase your settlement. Once you sign a contract, a “communication blackout” occurs between you and the insurer; the public adjuster takes over all direct negotiations, emails, and phone calls. A properly … Read more

What Homeowners Insurance Does Not Cover: The Complete Exclusions Guide

Apr 19, 2026 by Rachel Monroe

Standard homeowners insurance is designed for sudden, accidental events, which means predictable issues (like normal wear and tear) and systemic risks (like regional floods) are almost always excluded. Many common homeowner nightmares, such as sewer backups, slow pipe leaks, and foundation settling, fall under standard exclusions, but some can be covered by purchasing specific endorsements. … Read more