The Public Adjuster's Field Guide
TACTICAL DEEP DIVES ON POLICY INTERPRETATION // EST. 2025
All Field Guide Files
The Public Adjuster's Guide to Anti-Concurrent Causation
If you ask a policyholder what "Concurrent Causation" means, they'll look at you blankly. If you ask a seasoned Public Adjuster, they will tell you it is arguably the most severe mechanism in modern property insurance.
The Public Adjuster's Guide to Cosmetic Damage Exclusions
If you see hail hits on a soft metal roof, the standard playbook says you have a claim. For years, many claims fights treated altered geometry as strong evidence of direct physical loss.
The Public Adjuster's Guide to Ordinance or Law
The difference between a basic repair and a functional total loss often comes down to a single policy provision: Ordinance or Law. This exposure stems from the gap between physical damage and regulatory enforcement. While an adjuster scopes the 40% of the building damaged by fire, the municipality frequently decides the fate of the remaining 60%.
The Public Adjuster's Guide to Coinsurance & Insurance to Value
When a property claim falls short of expectations, the cause is often found in the valuation math rather than in standard exclusions.
The Public Adjuster's Guide to Functional Replacement Cost
Functional replacement cost coverage is frequently misunderstood as simply a "cheaper" version of replacement cost. In reality, it is a distinct valuation method with its own hierarchy, procedural triggers, and negotiation leverage. At its core, Functional Replacement Cost values the cost to replace damaged property with modern materials that perform the same function, rather than restoring it in identical form.