👨🏽‍👩🏽‍👧🏽‍👦🏽 Our Family’s Loss: Why Every Policyholder Needs a Public Adjuster

The Summer of Change ☀️

Life can pivot in an instant. For my family, a series of hardships arrived one devastating summer. My mother, recently divorced and now solely responsible for raising my two siblings and me, made the sensible choice: we downsized, reorganized our finances, and moved in with my maternal grandmother. It was meant to be a fresh start.

Then came the fire.

The Kitchen Fire and the Human Cost⚠️

My grandmother was making dinner when her faithful, 1970s green stove caught fire—a grease fire. We acted swiftly, putting out the flames with an extinguisher and preventing the spread. We were incredibly grateful. The house was salvaged, and no one was hurt.

We started the painful process of dealing with the aftermath and the insurance claim. And that's when the true cost of the stress became clear. Just a few days into the cleanup and the anxiety of the claims process, my grandmother suffered a health scare and temporarily lost sight in one eye due to a ruptured blood vessel.

This wasn't just about a damaged wall; it was about the overwhelming stress of navigating a complex claim alone.

The Crucial Difference: "Patchwork" vs. "Made Whole"🏚️

We dealt with the insurance company on our own. We were relieved the insurance company stepped in to help. My grandmother's wall was repaired, and the old stove was replaced. We felt grateful and whole—or so we thought.

What we didn't know then was that we were dramatically disadvantaged and underserved. We didn't know about public adjusters.

If we had, my grandmother wouldn't have just gotten a patchwork repair. The repaired wall looked great, but it was just that—a patch job on a kitchen system that had suffered a fire.

A public adjuster would have immediately identified the critical omissions:

1. Indemnification of the Kitchen as a System: A public adjuster would have recognized the need to treat the kitchen as a unit, potentially justifying a full remodel instead of a simple replacement.

2. Missing Coverage: Our policy absolutely supported coverage for smoke remediation. The claims team simply omitted this from their settlement, leaving behind unseen damage.

We were grateful for the wall repair, but we lost the opportunity to truly be made whole. More importantly, we navigated a stressful process that took a serious toll on my grandmother's health. A public adjuster would have managed the process, reducing her stress and ensuring she received every dollar owed.

My Calling: Your Advocate, Your Educator 📢

In 2021, I made a commitment to ensure no other family suffers a similar loss. This website is the manifesto to my calling.

When I am on your property, I come as your advocate and your educator.

I will:

• Educate you on your specific policy type and coverages.

• Assess how the loss affects your current and future lifestyle.

• Identify Gaps in the carrier's offer or assessment.

• Advocate your claim with due diligence to ensure you receive every possible dollar your policy supports.

EVERY insurance policy is meant to make the policy owner whole. I am here to make sure your carrier fulfills that promise and you don't have to carry the burden alone.

Don't settle for "patchwork." Let's ensure your property is truly fortified, your rights are protected, and that you are made whole in every possible way.