For Homeowners

Understand your policy. Document your home. Before a loss ever happens.

Most homeowners only learn what their policy actually covers after something goes wrong — and by then, what they didn't document is gone too. We help you get ahead of both.

Homeowner Policy Review

$150 · 30-minute consultation

A focused 30-minute call to walk through your homeowners policy in plain English. We translate the jargon, flag the gaps, and tell you exactly what to do — and not do — if a loss ever happens.

  • • Coverages, exclusions, endorsements & sub-limits explained
  • • Deductibles, ACV vs. RCV, and how they affect a payout
  • • Wind, hail, water, and roof-specific provisions
  • • What to document and who to call first after a loss
Book policy review

Pre-Loss Home Documentation

$350/hr + travel · on-site

An on-site walkthrough of your home with detailed, date-stamped photo documentation — roof, exterior, interior, and contents. If a loss ever happens, you have a defensible baseline of what your home looked like before the damage.

  • • Full exterior & roof condition documentation
  • • Interior room-by-room photo record
  • • Contents inventory baseline (high-value items)
  • • Written report delivered for your records

Why pre-loss matters

After a loss, the burden of proof is on you. Carriers want to see what was there, what condition it was in, and when. Owners who can produce dated, organized documentation consistently resolve claims faster and for fairer amounts than owners who are reconstructing from memory after the fact.

We are independent consultants — not affiliated with any insurance company. Our only job is to help you understand what you have and document what you own.