December 8-12, 2025
We are sold indemnity... it is why we purchase insurance in the first place. We didn't buy it for a patch on the roof, or spot painting in the living room ceiling...
No, we bought it to prevent that type of cheap temporary repair, because we cannot typically afford that type of "sudden" financial detriment to one of our largest financial investments. We have already paid the premium, will have to pay the deductible... and deal with the issue with our own time and effort to get it restored. It does not happen overnight, by itself, or without great effort. None of which existed without the... loss.
I hear the following often... "The roof is older, most of that damage is wear and tear, and we are denying the roof based upon the wear and tear, and paying for a patch for the Direct Physical Damage."
This fails on many fronts, but the 2 most prominent areas are so crystal clear, it is like missing the forest due to the trees...
To my knowledge, I have never witnessed a policy that began with RCV, otherwise known as Real Cash Value. No, they are sold "out of the box" as ACV, aka Actual Cash Value. RCV "endorsements" are available for... you guessed it, an additional charge.
Why is this important? Well... here comes the forest! That wear and tear has a name. Depreciation, which is the reduction from the product and installation cost from New, to its "current day value".
In other words, ALL policies demand an RCV cost total, that is then "reduced" according to age, wear, and tear. Meaning any claim payout will be reduced, specifically by contract/policy to it's current day value, or ACV. What it is worth today. If you bought an RCV endorsement, complied with ALL policy provisions, made the restoration to the insured property and spent more than ACV, up to the limits of the RCV, the policy pays the FULL, reasonable amount of RCV.
This nullifies any denial based upon that faulty argument. This is policy/contract, not tremens and romance. It CANNOT be anymore black and white than the actual policy.
Then, there is indemnity... by definition, is to restore you to pre-loss condition. Did you have a patch prior to the loss? No, then in what world does a patch reach indemnity? It does not, unless the roof was patched to begin with...
As long as you understand the principal of Insurance and the responsibility of indemnity... the rest becomes very simple. Does the carrier's proposed settlement restore the insured to pre-loss condition, minus any correct depreciation and their deductible? If the answer is no... then they failed.
Alas, all of this hinders on full performance of the contract, by the... INSURED! A carrier's role is almost purely reactionary to that performance.
Retail... that is the cheapest you can get it done for. Not what you paid for, not what was promised, contractually.
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