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Field notes / Penny

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Practical perspectives on property claims, documentation, valuation, and the decisions that shape recovery.

01

October 18, 2026

Underpaid Insurance Claim: How to Spot a Settlement Shortfall and Get It Supplemental

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Underpaid Insurance Claim: How to Spot a Settlement Shortfall and Get It Supplemental featured image
02

October 17, 2026

Insurance Claim Denial: How to Respond When Your Carrier Denies a Property Claim

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Insurance Claim Denial: How to Respond When Your Carrier Denies a Property Claim featured image
03

October 11, 2026

Proof of Loss Insurance Claim: What to Include Before You Sign and Submit

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Proof of Loss Insurance Claim: What to Include Before You Sign and Submit featured image
04

October 10, 2026

Property Insurance Adjuster: How to Prepare for the Carrier's Inspection and Protect Your Claim

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Property Insurance Adjuster: How to Prepare for the Carrier's Inspection and Protect Your Claim featured image
05

October 9, 2026

Underpaid Insurance Claim: How the Appraisal Clause Resolves a Valuation Dispute

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Underpaid Insurance Claim: How the Appraisal Clause Resolves a Valuation Dispute featured image
06

October 8, 2026

Water Damage Insurance Claim: How to Document Mitigation Costs, Mold, and Additional Living Expenses

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Water Damage Insurance Claim: How to Document Mitigation Costs, Mold, and Additional Living Expenses featured image
07

October 7, 2026

Storm Damage Insurance Claim: What to Do When a Contractor Offers to Manage Your Claim

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Storm Damage Insurance Claim: What to Do When a Contractor Offers to Manage Your Claim featured image
08

October 6, 2026

Large Loss Insurance Claim: How Policy Limits, Coinsurance, and Sublimits Affect Your Payout

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Large Loss Insurance Claim: How Policy Limits, Coinsurance, and Sublimits Affect Your Payout featured image
09

October 6, 2026

Hail Damage Insurance Claim: How to Document Shingle, Siding, and Roof Damage Before It Gets Missed

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Hail Damage Insurance Claim: How to Document Shingle, Siding, and Roof Damage Before It Gets Missed featured image
10

October 6, 2026

Roof Damage Insurance Claim: How to Document Storm Damage When Your Carrier Calls It Wear and Tear

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Roof Damage Insurance Claim: How to Document Storm Damage When Your Carrier Calls It Wear and Tear featured image
11

October 4, 2026

Tree Impact Insurance Claim: Who Pays When a Neighbor's Tree Falls on Your Property

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Tree Impact Insurance Claim: Who Pays When a Neighbor's Tree Falls on Your Property featured image
12

October 4, 2026

Hiring a Public Adjuster: Questions to Ask Before You Sign a Representation Agreement

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Hiring a Public Adjuster: Questions to Ask Before You Sign a Representation Agreement featured image
13

October 2, 2026

Business Loss Insurance Claim: How to Document Lost Income and Extra Expenses After a Property Loss

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Business Loss Insurance Claim: How to Document Lost Income and Extra Expenses After a Property Loss featured image
14

October 1, 2026

Commercial Property Claim: How to Document a Large Loss Before the Carrier Sets the Scope

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Commercial Property Claim: How to Document a Large Loss Before the Carrier Sets the Scope featured image
15

October 1, 2026

Fire Damage Insurance Claim: How to Build a Contents Inventory After a Total Loss

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Fire Damage Insurance Claim: How to Build a Contents Inventory After a Total Loss featured image
16

September 29, 2026

Tree Impact Insurance Claim: How to Document Fallen Tree Damage to a Roof, Structure, and Site

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Tree Impact Insurance Claim: How to Document Fallen Tree Damage to a Roof, Structure, and Site featured image
17

September 28, 2026

Insurance Claim Dispute: How to Challenge an Automated Carrier Estimate That Missed Damage

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Insurance Claim Dispute: How to Challenge an Automated Carrier Estimate That Missed Damage featured image
18

September 28, 2026

Storm Damage Insurance Claim: How to Separate Wind Damage From Hail Damage on the Same Property

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Storm Damage Insurance Claim: How to Separate Wind Damage From Hail Damage on the Same Property featured image
19

September 26, 2026

Water Damage Insurance Claim: How Carriers Distinguish Sudden Discharge From Long-Term Seepage

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Water Damage Insurance Claim: How Carriers Distinguish Sudden Discharge From Long-Term Seepage featured image
20

September 25, 2026

Insurance Adjuster vs Independent Adjuster vs Public Adjuster: Who Represents You in a Property Claim

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Insurance Adjuster vs Independent Adjuster vs Public Adjuster: Who Represents You in a Property Claim featured image
21

September 24, 2026

Storm Damage Insurance Claim: How to Prove Date of Loss and Causation When Your Carrier Disputes the Damage

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Storm Damage Insurance Claim: How to Prove Date of Loss and Causation When Your Carrier Disputes the Damage featured image
22

September 23, 2026

Roof Damage Insurance Claim: How Depreciation, Matching, and Code Upgrades Affect Your Payout

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Roof Damage Insurance Claim: How Depreciation, Matching, and Code Upgrades Affect Your Payout featured image
23

September 23, 2026

Fire Damage Insurance Claim: How to Document Smoke, Soot, and Water Damage After a Fire

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Fire Damage Insurance Claim: How to Document Smoke, Soot, and Water Damage After a Fire featured image
24

September 21, 2026

Denied Insurance Claim: How to Document a Rebuttal and Request Reconsideration

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Denied Insurance Claim: How to Document a Rebuttal and Request Reconsideration featured image
25

September 20, 2026

Underpaid Insurance Claim: How to Read Your Carrier's Estimate and Identify What's Missing

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Underpaid Insurance Claim: How to Read Your Carrier's Estimate and Identify What's Missing featured image
26

September 19, 2026

Insurance Claim Dispute: How the Appraisal Clause Works When You and Your Carrier Disagree on Value

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Insurance Claim Dispute: How the Appraisal Clause Works When You and Your Carrier Disagree on Value featured image
27

September 18, 2026

Public Adjuster Fees: How Compensation Works on a Property Insurance Claim

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Public Adjuster Fees: How Compensation Works on a Property Insurance Claim featured image
28

August 29, 2026

What Does a Public Adjuster Do? Scope of Work From First Inspection to Settlement

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What Does a Public Adjuster Do? Scope of Work From First Inspection to Settlement featured image
29

August 28, 2026

Water Damage Insurance Claim: What to Document in the First 48 Hours Before Your Adjuster Arrives

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Water Damage Insurance Claim: What to Document in the First 48 Hours Before Your Adjuster Arrives featured image
30

August 27, 2026

Business Loss Insurance Claim: How to Document Revenue, Extra Expense, and Inventory Damage

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Business Loss Insurance Claim: How to Document Revenue, Extra Expense, and Inventory Damage featured image
31

August 26, 2026

Property Insurance Adjuster: What Property Owners Should Expect During a Complex Claim

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Property Insurance Adjuster: What Property Owners Should Expect During a Complex Claim featured image
32

August 25, 2026

Hiring a Public Adjuster: How to Choose the Right Advocate for Your Property Claim

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Hiring a Public Adjuster: How to Choose the Right Advocate for Your Property Claim featured image
33

August 23, 2026

Large Loss Insurance Claim: How to Document a Complex Property Loss and Protect Your Full Payout

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Large Loss Insurance Claim: How to Document a Complex Property Loss and Protect Your Full Payout featured image
34

August 23, 2026

Insurance Claim Dispute: How to Build a Documented Response to an Underpaid Settlement

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Insurance Claim Dispute: How to Build a Documented Response to an Underpaid Settlement featured image
35

August 22, 2026

Tree Impact Insurance Claim: How to Document Your Fallen Tree Damage and Secure Your Full Payout

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Tree Impact Insurance Claim: How to Document Your Fallen Tree Damage and Secure Your Full Payout featured image
36

August 21, 2026

Commercial Property Insurance Claim: A Step-by-Step Guide to Documenting Your Business Loss

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Commercial Property Insurance Claim: A Step-by-Step Guide to Documenting Your Business Loss featured image
37

August 20, 2026

Fire Damage Insurance Claim: A Step-by-Step Guide to Documenting Your Loss and Getting Your Full Payout

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Fire Damage Insurance Claim: A Step-by-Step Guide to Documenting Your Loss and Getting Your Full Payout featured image
38

August 19, 2026

Water Damage Insurance Claim: 10 Reasons Your Payout Isn't Working (And How to Fix It)

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Water Damage Insurance Claim: 10 Reasons Your Payout Isn't Working (And How to Fix It) featured image
39

August 19, 2026

Do You Really Need a Public Adjuster? Here's the Truth About Hiring One for Large Losses

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Do You Really Need a Public Adjuster? Here's the Truth About Hiring One for Large Losses featured image
40

August 19, 2026

Roof Damage Insurance Claim 101: A Beginner's Guide to Maximizing Your Wind and Storm Loss Payout

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Roof Damage Insurance Claim 101: A Beginner's Guide to Maximizing Your Wind and Storm Loss Payout featured image
41

August 19, 2026

Underpaid Insurance Claim? 7 Mistakes You're Making With Your Property Damage Settlement

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Underpaid Insurance Claim? 7 Mistakes You're Making With Your Property Damage Settlement featured image
42

August 17, 2026

Public Adjuster vs. Independent Adjuster vs. Staff Adjuster: Who Is Really Fighting for Your Payout?

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Public Adjuster vs. Independent Adjuster vs. Staff Adjuster: Who Is Really Fighting for Your Payout? featured image