Oct 13 • General discussion
Every homeowner walks through the same unspoken stages:
- Acquisition (The Illusion of Coverage) — You buy the policy your agent says is “comprehensive.” The declarations page looks solid, the limits feel safe. You exhale. You shouldn’t.
- Assumption (The Silent Decay) — Months or years pass. Your coverage erodes in plain sight through quiet policy revisions. Endorsements vanish. Definitions mutate. Protection thins.
- Impact (The Collision of Expectation and Reality) — The loss hits. Fire, flood, wind, water. You call your carrier, thinking the contract will hold. What follows is bureaucracy in slow motion.
- Discovery (The Moment of Realization) — You learn that “coverage” and “payment” are not synonyms. You start hearing phrases like “excluded peril,” “wear and tear,” “concurrent causation.”
- Reconstruction (The Reclamation of Control) — The few who make it here stop playing defense. They learn to read their policies like underwriters, to optimize before disaster strikes.
Most never make it to Stage 5.
That’s where The Neighborhood Adjuster and this exclusive Skool community come in.
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Every homeowner walks through the same unspoken stages:
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