Claim guides
Insurer tactics
What Your Insurance Company Won't Say Out Loud After a Loss
The common tactics insurers use to delay, anchor, and underpay Maryland property claims, and the practical steps that push back on each one.
Read the guide →Water damageWater Damage Claims in Maryland: What's Covered and What Isn't
Why "flood" and "gradual leak" get claims denied, the endorsements that decide most water claims, and how to keep yours from being underpaid.
Read the guide →Roof damageRoof Damage Claims in Maryland: What Carriers Argue, and How to Answer
How wear-and-tear and cosmetic exclusions are used to underpay roof claims, plus the deductible and depreciation traps to watch for.
Read the guide →From the founder · John Guerci
Your Home Wasn't Mass-Produced. Your Claim Shouldn't Be Either.
Estimating software prices the average home. Here is how custom craftsmanship gets lost in a claim, and what "like kind and quality" really owes you.
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