April 6-10, 2026
Turns out, this is the best medicine that exists.
I was always alone. Then I met Mel Spoon.
My life got exponentially... better.
A few years later, we founded InsuranceBusters.net. We were... alone. We were fighting, and I mean seriously fighting, in courts all over the lower US, one of the largest, most well funded machines in the world. Insurance.
In 2015 alone, we were in over 150 depositions. Up to 7.5 hours a piece, straight with a very smart, very well paid attorney on the other end. Not trying to find the right answer to a claim... no, trying to end our livelihood, trying to end us. On every conceivable level, for any reason imaginable.
That year, on a trip home from one of those depos, something became clear. Their strategy had changed. We were nearing the end of everything they could throw at us... still standing. Tired, angry, all of the above... Yet, still standing. The shift went from "get them" to "are you teaching what you are doing to anyone else..." It was not subtle either. It was a very direct shift, from multiple law firms... all at once. (Yes, they were coordinating, and yes... it was us against them.) For some reason I cannot fathom, and could not explain then or, even now, eleven years later, on that fateful trip home from one of those depos... I bought the Public Adjuster Boot Camp website.
They settled all of those lawsuits they attacked us on. In the end, the attorneys for both sides agreed that our "original" numbers were the closest to real of any numbers provided by anyone, and they were used for the settlement amounts...
Understand what that means. The whole thing, the whole charade... only to settle at the numbers we originally provided.
You see, what was unique, especially at the time, is that we had simply performed under the contract, you can call it a policy, but is, in fact... a contract. They were shocked to see performance, had no clue what it looked like, and were completely taken off guard with the injection of it in their perfectly manicured claims environment. The gardener does not plant what it does not wish to grow, nor does the guy who owes you money. They built whole systems that still exist to this day, that does the complete opposite of what they promise by word of mouth, or slick commercials with your favorite stars at your favorite events... any of them, all of them.
Full performance under the contract, put under duress by some of the best attorney's money can buy... prevailed. Not once, not twice... every single time.
That is called a repeatable process.
Repeatable processes are scalable processes.
No, in the end, they were terrified that we would begin to teach this to the profession. They were correct, as they usually are, in their assessment of the risk. That is exactly what we are doing, and have been since 2019. Consistently, non-stop.
See you in camp, and we will get much deeper, and bring all the receipts.
The new classroom is located at 11037 Highway 6, Sante Fe, Texas 77510
Statute, POLICY, and the Facts of the Loss... These are three bullets that are necessary for ANY claim to find successful indemnification.
They are using it to find obscure exclusions, language... and conditions precedent... Precedent for what you may ask... for a denial.
We specifically teach how to find, read, comprehend... and APPLY those bullets for the most precise outcome, according to those facts.
Our course equips students to safeguard families’ futures by ensuring insurance claims deliver promised indemnity. For 150 years, well-funded, amoral insurers have crafted complex policies with hidden duties, like the Sworn Proof of Loss, inflicting a "death by a thousand cuts" process through high deductibles, reliance traps, and denials, as in Billie v. Plymouth Rock (2025). Learn to submit a detailed Proof of Loss to secure rightful payments. For contractors and adjusters, this training prevents financial ruin and defends every insured.
Bootcamp’s Counter to the Cuts
Our Public Adjuster Bootcamp, training Contractors, Independent Adjusters, Attorneys, and Staff Adjusters, prevents these cuts by:
- Providing a process to open and close a claim… within 90 days. Regardless of whether the insurance carrier chooses to participate, or not, at any level.
- Teaching submission of a Sworn/Notarized Proof of Loss with detailed estimates, avoiding Billie-like denials, with a court decision to back it up.
- Teaching the actual policy, how to read it, and the statutes that govern them, by an actual attorney who does it.
- Exposing amoral tactics, like notarization traps, by advising insureds to attach their own estimates as “Exhibit A,” restoring the 165-line policy’s intent for accessible compliance.
- How to file proper complaints, and why. Complaints are not a tool to entice a carrier to pay. They must be valid, violate the statute, and not be about coverage. The DOI is not a court; they are a regulatory body. They can and will act upon violations of the statute, i.e., popped timelines, etc. This is the core reason. There is no record of when carriers do this, unless 1 of 2 things occurs. The carrier self-reports the infraction, like you going to your local police department and telling them they missed you speeding, and you were there to turn yourself in, or… they are reported by someone who knows and understands what occurred. (Interestingly enough… if those duties were not performed, then those timelines have not even started…)
- Final Demands, Engineer rebuttals. All crucial, regardless of whether it changes the carriers’ mind or not. It is closing the claim out, and leaving a blueprint of what occurred, and what needs to occur to reach indemnity.
So the question is… what type of “Blueprint” will you leave?
Let’s uphold professionalism and protect the insured—together.
Statute, Policy, Facts of the loss, the Tripod of any claim. All factual. Crazy part... the moment I understood this, is the moment everything changed and the "process" was completed. We are not licensed to fight... attorneys are.
We are licensed to "Perform the Duties After a Loss for an insured..." That's it. Nothing more... by license.
What's the answer Cal?
Process. Boring, dull... beautiful process. Then, like anything else, fitness, social media... you have to stick with it. If the process is sound, legal, and moral... Patience will be your friend. Complete your portion of the claim, or more specifically... the Insured's Duties After a loss. If the carrier participates... or not, is out of your control. Having an answer for when they do not is not, and should never be. I believe it is our duty.
We teach that process.
Cal Spoon
