UClaim eBooks

This 204 page "Flagship" eBook comes complete with Ron's insurance claim advice. It includes his best ideas and techniques to maximize your insurance claim recovery.

It covers all aspects (building, contents, additional living expense, other coverages, etc.) of a homeowners property claim for any covered cause of loss including but not limited to fire, wind, hail, earthquake, hurricane, water damage and flood. It includes many other eBooks for sale at UCLAIM.com listed below.

It includes the "Homeowners Insurance Claims Appendix" (the contents of which are shown at the end of the Table of Contents). The Appendix is full of highlighted items and Ron's personal commentary, aimed at protecting you and maximizing your claim.

Much of Ron's "appendix commentary" is not found in the text body portion of the book. "Examination Under Oath (EUO)", "Denied Homeowners and Business Owners Property Claims" and "Claims Practices Laws" guides are unnecessary to most claims and are available for separate purchase and listed below in the Denied Claims & Miscellaneous Claims Resources section.

If you want to learn the profession of Public Adjusting, start with this one. It's your "Bible".

Step-by-step guidance for handling a residential fire loss, from the initial emergency response through documenting your contents inventory, securing additional living expenses, and reaching final settlement on the dwelling and other structures.

Includes Ron's checklists for smoke and soot damage, salvage decisions, and how to push back when the carrier disputes scope or pricing.

How to document water losses, fight unfair depreciation, and force coverage of consequential mold damage. Covers the difference between sudden and accidental discharges versus long-term seepage, and how policy language is used against you.

Includes mitigation guidance, drying log templates, and how to handle mold testing protocols and remediation scope disputes.

Coverage strategies for hurricanes, tornadoes, and other named-storm losses. Walks through hurricane deductibles, anti-concurrent causation clauses, wind-versus-flood disputes, and how to document a roof claim properly the first time.

Inventory, valuation, and proof-of-loss techniques for stolen and vandalized property. Includes special-limit traps for jewelry, firearms, electronics, and cash, plus how to handle police-report and recorded-statement requests.

Navigating the National Flood Insurance Program and its strict proof-of-loss deadlines. Explains the Standard Flood Insurance Policy (SFIP), what is and is not covered, and how to handle disputes with the FEMA-appointed Write-Your-Own carrier.

Commercial building, contents, and equipment-breakdown claims explained in plain English. Covers ISO commercial property forms, replacement cost recovery, ordinance or law coverage, and the special handling required for inventory and tenant improvements.

How to calculate, document, and recover lost income while your business is shut down. Walks through the period of restoration, extra expense, payroll continuation, and how to defend your loss-of-income worksheet against the carrier's forensic accountant.

Fight low-ball valuations on totaled cars and trucks. Includes valuation worksheets, comparable-vehicle research methods, and how to challenge CCC ONE / Mitchell / Audatex reports the carrier relies on.

Diminished value, OEM versus aftermarket parts, and how to handle balky body shops. Includes diminished-value claim templates and how to document pre-loss condition.

Hull, machinery, and personal-effects coverage on boat policies, plus ocean-marine basics. Explains agreed-value versus actual-cash-value hull settlements and the warranties that can void coverage if you aren't careful.

Step-by-step framework for getting a denied claim re-opened and paid. Walks through the appeal process, Department of Insurance complaints, demand letters, and when to involve counsel.

What to expect at an EUO, what to bring, and what NOT to say. The EUO is the carrier's most powerful pre-litigation weapon — this eBook walks you through preparation, document production, and the most common questioning traps.

Plain-English summary of the laws and regulations that govern claim handling, including the Unfair Claims Settlement Practices Act, bad-faith doctrine, and how to put the carrier on notice that you know your rights.

The most common homeowner policy form in the U.S. Open-perils dwelling coverage with named-perils contents.

The federal flood policy issued through FEMA. Includes both Dwelling Form and General Property Form variants.

Standard ISO personal auto policy form covering liability, collision, comprehensive and uninsured-motorist coverages.

ISO commercial property and Business Owner Policy forms. Useful when verifying scope of coverage on a small-business loss.