February 2-6, 2026
The Insurance Contract, yes, it is called a "Policy", but it is actually a bonafide contract. Not a single place, in any of the many, many policies I have read, does it direct the insurance company to assess the amount of the loss being claimed FOR the insured. It says the EXACT opposite, as a CONDITION, a term... one that we all agreed on when we funded the policy, one they agreed to when they extended it.
Why doesn't it say they are responsible?
Well, if we hadn't been brainwashed, yes... brainwashed on insurance, the answer would be simple and clear for anyone to see and understand.
It is a "Conflict of Interest", to allow the person who owes you, to tell you "If" they owe, and how "much" they owe, knowing that any money paid, is money they no longer get to keep.
Any argument, on any front... fails. The absolute plain english in that portion of the policy, every policy, says different. I am posting the portion that spells it out, and it does not matter if you like it, agree with it, or do not understand it... It is the contract, and has not, in that regard, changed much since the original 165 line policy.
What changed? In the contract, virtually nothing. In real life... they got us to move away from sworn Proofs of Loss, and sent their armies out to "offer settlements". In the beginning, a place many of us from the old school, remember that this was the norm... A professional adjuster, with experience, would meet on site, issue full funds that someone from the insured provided as costs, roofer, mit, etc. Claim usually closed, and all parties reasonably satisfied. The same playbook as a Casino, many other unsavory, addictive things... You don't start by doing what you want, you give them a "taste"... once the taste becomes the norm, you then implement processes to make sure your audience becomes... "captive". You start using "guidelines" and "internal policies" that when checked by the policy, or facts, do not hold water. Why do none of the adjuster I meet ever get a copy of the policy? It is not by accident, I can tell you that much. I ask them, every single time they claim something is not covered... where they got that idea. First they say, the "Policy", so I ask... You read it, and prepare to make notes as to their answer. The moment they realize this is serious, being documented, and someone will ask them to verify this later, the answer fumbles and morphs into... "Well, I read the exclusions, or the endorsements." My response... "What does it say at the very top of each and every one of those?" READ THIS CAREFULLY, IT CHANGES YOUR POLICY. How could you understand or put into context what that says, without the rest of it?
You can't. It is a feature, not a flaw.
For a time, they paid claims well enough that we became addicted to their help above all else. Relying on them for what the contract clearly lays out as the insured's contractual duties. Problem is, if the insured never did them, then gets mad at the insurer... The INSURED is the one who breached the contract... Carriers actions are "reactionary" to the contract, via the insured's performance. Why the statutes say, "Begin" an investigation. They cannot complete unless they are provided with that info the policy demands, in the form it demands it.
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
