Tools & Resources
Know your coveragebefore you need it
Free, interactive and educational. Nothing here replaces a review of your actual policy — but all of it makes that review sharper.
Coverage Readiness Score
Ten questions. One honest score out of 100.
01I know my hurricane deductible in dollars, not just the percentage
02I know whether my roof is settled at replacement cost or on a schedule
03I have a separate flood policy, or know I deliberately go without one
04I have current photos of every room and exterior elevation
05I know my policy's water-damage limitations
06My renovations or additions are reported to my carrier
07I know the deadline to report a claim under my policy
08I know what a proof of loss is and when it is due
09I have reviewed my policy within the last 12 months
10I know my loss-of-use (temporary housing) limit
0 of 10 answered
Coverage Gap Checker
What's your policy missing?
Check every statement that applies to you, then see which gaps commonly follow.
Guided Pathway Selector
Three questions to the right service.
What kind of property is it?
What to Expect — Claim Timeline
The claim journey, stage by stage.
Day 0–2
Damage & Documentation
Make the property safe, mitigate further damage (keep receipts), and photograph everything before cleanup. Report the loss promptly with facts, not guesses.
A general educational sequence — real timelines vary with each claim, carrier and policy.
Deductible Value Explainer
Turn your deductible percentage into dollars.
See what your hurricane deductible actually means in dollars — and why the estimate above it deserves a careful look.
Your deductible in dollars
$8,000
At $60,000 of damage, roughly $52,000 sits above your deductible — the range where the estimate's accuracy decides what you're actually paid.
Illustrative arithmetic only — not a prediction of any claim payment. Policy terms, limits and exclusions control real outcomes.
Alone vs. Advised
An educational side-by-side.
An educational comparison — what typically differs when a claim file gets an independent second look. Tap a row.
| Aspect | Going It Alone | With Independent Consultation |
|---|---|---|
| Reading your policy | Declarations page skimmed once, often after a loss | Reviewed line by line, in plain language, before you need it |
| Documentation | Photos taken from memory, after cleanup has begun | Standards set in advance; file organized from hour one |
| The estimate | Accepted as the verdict | Compared against damage and policy, line by line |
| Deadlines | Discovered in the carrier's letters | Tracked in writing from the start |
| Your options | What the adjuster mentions | Supplements, re-inspection, appraisal — all laid out |
| The tone | Reactive, under pressure | Calm, ordered, on your schedule |
Generalized for education — every claim and policy differ, and consultation never guarantees an outcome.
Resource Library
Free guides, checklists and explainers.
Property Risk Snapshot
A 60-second profile we review personally.
Preference Center
Choose what you hear about, and how often.
Free Initial Consultation
Tools answered some of it. A conversation answers the rest.
Bring your score, your gaps, or your claim — the first consultation is free.