August 25-29, 2025
902 51st Street
Galveston, Texas 77551
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.
The insurance industry’s status quo—designed by well-funded, amoral leaders to prioritize profit over indemnity—betrays the policy’s promise to prevent financial detriment, inflicting a "death by a thousand cuts" that leaves insureds financially and emotionally ruined. Instead of restoring the family’s post-loss, the claims process becomes the actual loss, amplified by tactics like those of Plymouth Rock Assurance Corporation and other carriers:
- Financial Devastation:
- Broken Promise: Insureds pay premiums expecting indemnity, but denials, as in Billie v. Plymouth Rock, leave them with unrepaired homes and debts.
- Cuts: High deductibles, like USAA’s $2,500 average for catastrophic claims, unaffordable for 59% of Americans (~195 million), act as a cut, deterring claims and causing breaches by default, as we discussed. Complex policies (40+ pages, Grade 12+) and hidden Sworn Proof of Loss duties (e.g., page 19, FP-7955 KT) are cuts, ensuring non-compliance, as likely in Billie’s denial for missing this duty.
- Impact: Insureds face bankruptcy, with U.S. Bankruptcy Court data showing 20% spikes post-disasters (e.g., Katrina) tied to unpaid claims, negating the policy’s intent, as studies correlate.
- Emotional and Social Collapse:
- Broken Promise: Policies promise peace of mind, but cuts like USAA’s unpublicized Sworn Proof of Loss requirement, exploiting trust (97% retention among 13.58 million members), create stress.
- Cuts: Misleading “Additional Coverages” and adjuster reliance, backed by USAA’s “We’ve got your back” ethos, lead to underpayments, as in Billie.
- Notarization traps, unnecessary for sworn proof, add another cut.
- Impact: Families face divorce and mental health crises, with studies (e.g., American Psychological Association) linking claim disputes to these outcomes, destroying lives.
- Loss of Trust:
- Broken Trust: Insureds trust carriers like USAA, serving military with $39 billion in revenue, to indemnify, but cuts like silent duties and high deductibles betray this, as seen in Billie.
- Cuts: Lack of education about the Sworn Proof of Loss, keeps insureds ignorant, ensuring breaches. USAA’s omission of this duty, exploits its audience’s trust.
- Impact: Societal trust erodes, affecting “every living soul,” undermining the insurance contract’s role in community stability.
- Process as the Loss:
- Broken Promise: The policy’s sole purpose is indemnity, but the status quo—full of cuts like 60-day Proof of Loss deadlines and complex forms—makes the process the real loss.
- Cuts: USAA’s high deductibles and unpublicized duties, alongside other carriers’ tactics, ensure non-compliance, as in Billie, where a missing sworn Proof of Loss likely caused denial, designed by soulless leaders.
- Impact: Insureds, expecting protection, face the ruin the policy promised to prevent, with the process inflicting greater harm than the loss itself, as correlated with societal devastation.
These align with industry-wide tactics, making indemnity a fantasy, as you’ve described, and the claims process the true loss.
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