This is where your training starts. The first page of your policy isn’t a summary—it’s a trap disguised as a table. You’ll learn: • How layout, and order of coverage shape your perception of safety. • The difference between what’s listed and what’s actually triggered in a loss. • How to read your deductibles and limits as levers of profit, not lines of protection. • How carriers convert “clarity” into a financial weapon. Once you decode that single page, your entire view of insurance changes. You start seeing it as a system of leverage—and you realize the insurer isn’t managing your risk. You are. 👉 DM me “PREP” and I’ll send you the checklist. #InsuranceDecoded #PreLossPrep #WealthPreservation #HeyNeighbors

Let’s answer the burning ? Why This Community Exists This isn’t another homeowner’s forum. It’s not a “how-to” group or a collection of adjuster war stories. This is a command center—a private ecosystem built for homeowners who are ready to manage risk the way professionals manage portfolios. Inside, you’ll find what has never been made public before: • Unfiltered insights from the EVPs who designed the modern property policy frameworks. • Behind-the-curtain decoding sessions—where we dissect real declarations pages line by line. • Optimization labs—where we show you how to benchmark your coverage like a CRO, not a consumer. • Case deconstructions—of six-figure claims that failed (and the rare few that didn’t). It’s not theory. It’s the field manual for surviving a system that profits when you misunderstand it.

1. 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. 2. Assumption (The Silent Decay) — Months or years pass. Your coverage erodes in plain sight through quiet policy revisions. Endorsements vanish. Definitions mutate. Protection thins. 3. 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. 4. 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.” 5. 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.

Hey Neighbors, Before we go any further—let’s start with a truth most people never hear: The moment you buy a home, you enter a system that’s older, more complex, and more opaque than the mortgage you signed or the policy you filed away. It begins the same way for everyone—with confidence. And ends the same way for too many—with confusion. That in-between, the real homeowner’s lifecycle, is what we’re about to decode. For the first time, not from the outside looking in, but from the inside looking back out.

BORN FROM A STORM. BUILT TO DEFEND. In 2017, Hurricane Harvey swallowed Houston. Entire neighborhoods vanished under water. Lives flipped overnight. Mine included. I wasn’t just another policyholder. I was a victim of “Big Insurance.” I watched my neighbors get ignored, stalled, and strangled by a process designed to help them. The options out there were broken. So I did the only thing that made sense: I became a licensed property claims adjuster. I built the solution I wish existed back then. That solution became The Claims Dept. WHERE WE STAND TODAY From those first days in Texas, we’ve now represented more than 5,000 homeowners and delivered over $25 million in settlements across 27 states. Wildfires in California. Flooding in Florida. Derechos in the Midwest. Ice storms in the Northeast. Every disaster, every home, every fight—it matters WHAT WE BELIEVE The insurance system wasn’t built for you. It was built to protect their bottom line. We exist to flip that script. We’re not paper pushers. We’re not “nice” adjusters. We’re advocates. We’re interpreters. We’re fighters. A claim shouldn’t just close. It should close fairly. It should close fast. And it should never take a lawsuit to get what you already paid for. OUR PROMISE BUILT FOR PEOPLE. NOT FOR CARRIERS. We aren’t owned by insurers. We don’t play nice with underwriters. We tear through red tape. Every claim is personal. Every estimate is battle-tested. Every deadline is a line in the sand. We’re built for the family who just wants to move forward. For the single mom balancing kids and a flooded bathroom. For the retired couple in a wind-torn home filing their first claim in 40 years. We’re The Claims Dept. We don’t just handle claims. We close them. OUR ROOTS, OUR REACH Our team is boots on the ground—adjusters, former contractors, policy nerds, restoration experts. We’ve trained in catastrophe zones, educated thousands of homeowners, and restored dignity where the system failed. Even as we grow, our focus stays tight: