Insurance Claim Recovery Support

Licensed Public Adjusters

ATTENTION: Home & Business Policyholders

Get Every Dollar You Deserve Without Losing Money, Wasted Hours, and Sleepless Nights Settling Your Insurance Claim

The Insurance Claim Bible is the most complete, faith-based, tactical guide ever written for policyholders.

ATTENTION: Home & Business Policyholders

Get Every Dollar You Deserve Without Losing Money, Wasted Hours, and Sleepless Nights Settling Your Insurance Claim

The Insurance Claim Bible is the most complete, faith-based, tactical guide ever written for policyholders.

ATTENTION: TARGET AUDIENCE

How To Desire Without Doing Z To Achieve Goal

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Why You Need This Guide

The Insurance Claim Bible is the most complete, faith-based, tactical guide ever written for policyholders. It’s designed to help:

  • Homeowners

  • HOAs

  • Condominium Associations

  • Townhome Communities

  • Apartment Building Owners & Operators

  • Property Management Companies

  • Religious Organizations & Nonprofits

  • Commercial Building Owners

If you own or manage residential or commercial property… this guide is not optional.


From single-family homes to high-rise apartment buildings, if a storm, fire, or flood has damaged your property — you’re now in a legal, financial, and emotional battle with your insurance company.

And they have a strategy: underpay, delay, deny, defend.

You need one too.

Whether you’re facing roof damage, water intrusion, business interruption, or total fire loss, this guide arms you with the knowledge to fight back — with truth, tools, and the support of licensed professionals.

“My people perish for lack of knowledge.”

– Hosea 4:6

What You’ll Discover Inside

  • The 10 Commandments of policyholder protection

  • Stages of grief policyholders face after underpayment, denial or delay

  • Why your insurer’s “adjuster” does not represent you

  • The insider tactics insurers use to wear you down

  • How to tell if your insurer is acting in bad faith

  • When to hire a Public Adjuster, Appraiser, or Attorney

  • The meaning of indemnity (and how it should protect you)

  • The legal requirement for insurers to act in utmost good faith

  • Why you bear the burden of proof and what to do about it

  • What it means to mitigate damage and document properly

  • Real examples of underpayment and how to dispute them

Know Your Policyholder Rights

  • Insurers are required by law to act in good faith

  • They must equally consider any evidence supporting your position

  • You have the right to file a bad faith claim if they wrongfully delay, underpay, or deny

  • You’re entitled to indemnity—restoration of your property and financial loss

  • You bear the burden of proof for your claim. This means if you don’t prove your loss, they don’t have to pay.

Why Hiring a Public Adjuster May Be Crucial

When your property is damaged, insurance companies bring in expert, adjusters, engineers, attorneys, to protect their bottom line. You should too.

A qualified public adjuster:

  • Advocates only for you, not the insurer

  • Helps you understand and comply with your policy

  • Fights lowball offers and wrongful denials

  • Increases your payout by up to 747%, according to Florida OPPAGA Study

“In the multitude of counselors there is safety.” – Proverbs 11:14

Frequently Asked Questions

What types of claims does this guide apply to?

  • Wind and storm damage

  • Hail and roof failure

  • Fire and smoke damage

  • Flood and water intrusion

  • Mold, collapse, theft

  • Business interruption and ALE (loss of use)

Who is this guide for?

  • Homeowners

  • Condo associations

  • HOAs

  • Commercial building owners

  • Churches, schools, and religious groups

  • Apartment complexes and property managers

  • Nonprofits with insured property

Why can’t I just trust the insurance company adjuster?

  • Because they work for the insurer — not you. Their job is to minimize what’s paid. You need your own advocate.

What’s the biggest mistake policyholders make?

  • Accepting the first settlement or waiting too long. Delays can ruin your ability to get paid fairly.

Your Rights as a Policyholder

  • Insurers are required by law to act in good faith

  • They must equally consider any evidence supporting your position

  • You have the right to file a bad faith claim if they delay, underpay, or wrongfully deny

  • You’re entitled to indemnity—restoration of your property and financial loss

  • You bear the burden of proof for your claim. This means if you don’t prove your loss, they don’t have to pay.

Frequently Asked Questions

What types of claims do you handle?

  • Wind and storm damage

  • Hail and roof failure

  • Fire and smoke damage

  • Flood and water intrusion

  • Mold, collapse, theft

  • Business interruption and ALE (loss of use)

Who is this guide for?

  • Homeowners

  • Condo associations

  • HOAs

  • Commercial building owners

  • Churches, schools, and religious groups

  • Apartment complexes and property managers

  • Nonprofits with insured property

Why can’t I just trust the insurance company adjuster?

  • Because they work for the insurer — not you. Their job is to minimize what’s paid. You need your own advocate.

What’s the biggest mistake policyholders make?

  • Accepting the first settlement or waiting too long. Delays can ruin your ability to get paid fairly.

20+

Years Of Experience

500+

Large-Loss Claims Settled

130,160

Hours Worked

$450,000

Average Claim Amount

Stop guessing. Stop waiting.
Start recovering.

Get The Insurance Claim Bible and become the most informed, empowered, and protected policyholder in the claims process.

“Blessed is the policyholder who is prepared, for they shall inherit a full and fair settlement.”

TESTIMONIALS

Hear what Our Clients are saying

"Thank you Scott"

Scott responded to my inquiry and took the time to listen and understand our unpleasant experience dealing with our insurance claim. Although I did not utilized his service, he gave me a sound, professional advice and offered to help when he referred me to his engineer. They replied promptly and I was able to have better understanding of the situation. Thank you Scott!
- Haidee J.

"I would highly reccomend"

Words can’t describe how grateful we are for the consultation and claim evaluation we had with Scott. Full disclosure we were unable to work with him due to limitations of our scope. We wanted to properly recognize Scott for the honest and genuine passion he put in to not only our claim, but the way he runs his business in general. We hadn’t had such clarity of next steps since this began in 2020. I would highly recommend this business to everyone spinning their wheels in this process!

- James M.

"I came across this company and had none of those bad feelings"

This was not the first public adjuster I called. I called a different company first but they gave me a bad feeling on the phone. Too aggressive. Didn't feel trustworthy to me. So, I kept looking. I came across this company and I had none of those bad feelings. Scott, the guy who took my call, seemed very knowledgeable and I felt I could fully trust him. As it turned out, he told me that my claim was fairly simple and I didn't need the full scope of his service and fees. But, without charging me a fee, he gave me some needed advice on this whole matter of insurance claims which I needed. And told me I could call him back to ask another question or two if necessary. I would recommend this company for these services.
- Katie H.

  • You’re serious about [Desired Result] and want a quick, easy-to-follow guide to get there.

  • You’re struggling with [Common Pain Point] and need a clear path to [Desired Outcome].

  • You’ve tried other solutions but haven’t seen results and are ready for a proven approach.

  • You’ve tried other solutions but haven’t seen results and are ready for a proven approach.

  • You’ve tried other solutions but haven’t seen results and are ready for a proven approach.

“Blessed is the policyholder who is prepared, for they shall inherit a full and fair settlement.”

– The Insurance Claim Bible

AGENCY PUBLIC ADJUSTER LICENSES

Texas #1670060

Colorado #4472448
Ohio #1416560

Florida #W927993

NPN# 16144334

MISTY'S PUBLIC ADJUSTER LICENSES

Texas #2647568

Florida #W798577

Kentucky #1267289

North Carolina #19846653

Nebraska #19846653

Ohio #1416569

Oklahoma #3001820951

Pennsylvania #1054792

South Carolina #19846653

Utah #915489

NPN #19846653

Haag Certified Commercial Roof Inspector #202111207

SCOTT'S PUBLIC ADJUSTER LICENSES

Texas - #1632488

Florida #W798577

Kentucky #1267289

North Carolina #19846653

Nebraska #19846653

Ohio #1416569

Oklahoma #3001820951

Pennsylvania #1054792

South Carolina #19846653

Utah #915489

NPN #19846653

Haag Certified Commercial Roof Inspector #202111207

Our Large Loss Specialties

Apartment Complexes

Business Interruption

Commercial Buildings

Condominium Associations

Historical Buildings

Industrial Facilities

Manufacturing Facilities

Office Buildings

Property Management Firms

Religious Organizations

Contact Us

Call Us : 512-904-9900

[email protected]