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RESOURCES & INSIGHTS
Practical guidance on public adjusting, insurance appraisal, and property claims from Catalyst's licensed professionals.
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A denied insurance claim isn't necessarily final. Here is why claims get denied and the specific steps property owners can take to appeal, dispute, or reopen the claim.
Rain that follows wind damage is one of the most disputed types of property claims. Whether it's covered usually comes down to how the water got in, and what your policy says about it.
The inspection and estimating process insurers use to size a wind damage claim, the common ways that process comes up short, and what independently verified documentation can do to correct it.
What your property policy actually covers when a storm causes damage, the perils that are typically excluded, and how insurers apply proximate cause when more than one condition is involved.
What homeowners and commercial property owners need to know about coverage, documentation, and getting a fair settlement after a hail damage insurance claim.
What homeowners and commercial property owners need to know about coverage, documentation, and how insurers evaluate a wind or hail damage claim.
Commercial losses bring larger dollar values, more stakeholders, and more complex documentation to the appraisal process than a typical residential claim.
When a policyholder's appraiser and an insurer's appraiser reach different numbers, a neutral umpire, not a courtroom, settles the difference.
The appraiser you choose has an outsized effect on the outcome of a binding process. Here is what to look for, what to ask, and what to avoid before you hire one.
When a property insurance dispute over value stalls, policyholders and insurers generally have two paths forward: invoking the appraisal clause or filing suit. Here is how each process actually works, and how to think through which one fits your situation.
The appraisal clause is a contractual right built into most property policies. Here is how to invoke it correctly, from reviewing your policy language to selecting a qualified appraiser.
What the appraisal clause says, when either side can invoke it, and what a binding appraisal award actually means for your claim.
Practical guidance for Florida homeowners and commercial property owners on deductibles, deadlines, documentation, and the mistakes that most often shrink a hurricane settlement.
Hurricane roof damage gets underscoped more than almost any other claim category. Here is what adjusters commonly miss, and how to document a roof claim so the full scope gets paid.
What business interruption coverage actually pays after a hurricane forces a commercial property to close, and the income and expense records insurers expect before they'll pay it in full.
What separates a paid wind damage claim from a denied or reclassified one is proof. Here is the documentation, timing, and weather evidence your hurricane claim needs to hold up.
What property owners need to know about percentage-based hurricane and named storm deductibles, how they differ from a standard deductible, and what triggers each one.
Insurance companies do not send adjusters to your property by accident. Here is what actually drives a low hurricane settlement offer, and how to respond.
After a loss, most property owners end up talking to both a contractor and a public adjuster, and it is easy to assume they do the same job. They do not. Here is what each one is actually licensed and hired to do, and why mixing up the two roles can cost you part of your settlement.
A step-by-step guide to protecting your property, documenting the damage, and reporting your claim correctly in the critical first three days after a storm.
What a closed claim status actually means, when a supplemental claim can reopen it, and the deadlines that determine whether the door is still open.
A clear-eyed look at what public adjusters actually charge, what that fee buys you, and how to weigh it against the settlement difference a well-documented claim can make.
Hiring a public adjuster starts a defined process, not an open-ended one. Here is what typically happens from the first conversation through final settlement, and what changes for you at each stage.
Not every claim needs a public adjuster, but some clearly do. Here are seven situations where hiring one is worth serious consideration, and what changes once you do.
An insurance settlement can look reasonable on paper and still fall well short of what your policy actually owes. Here are ten warning signs worth checking before you sign a release or cash a final check.
Most public adjusters work on a percentage of your settlement, but the exact structure varies by state and by firm. Here is what a fee agreement should actually say before you sign one.
Both are called "adjusters," and both will look at your damage, but they are not on the same side of the claim. Here is who each one actually represents, and why that matters for your settlement.
What homeowners and commercial property owners need to know about filing, documenting, and, if necessary, disputing a hurricane insurance claim before the next named storm hits.
Every property policy requires you to act, and act on time. Here's what "duties after loss" actually means, and why the date your loss occurred isn't always the date that starts the clock.
Practical steps for documenting damage thoroughly before repairs begin, to support a stronger claim.
How appraisal works, when it's the right path, and what to expect from a neutral, either-side process.
A plain-English guide to what public adjusters do, how they're paid, and when hiring one actually makes sense for your claim.
