The Hail Claim Playbook
The whole claim in one printable PDF: the first-48-hours checklist, the documentation system adjusters cannot argue with, how to read your policy (ACV vs RCV, your deductible, your deadlines), the adjuster inspection played right, how to read the estimate and catch missing line items, supplement and recoverable-depreciation letters, contractor red flags, and the escalation ladder when the offer is short.
What is inside
- First 48 hours: mitigation duty, photo protocol, receipts that get reimbursed
- Policy decoder: ACV vs RCV, deductibles, deadlines, and where to find each in your policy
- The adjuster inspection: what they look for, what to have ready, what to say and not say
- Reading the estimate: line items that go missing and how to ask for them
- Letters: supplement request, recoverable depreciation demand, proof-of-loss cover
- Contractor red flags: assignment-of-benefits traps, deductible games that are insurance fraud, storm-chaser tells
- Escalation ladder: re-inspection, appraisal clause, state insurance department complaint, when a lawyer makes sense
One-time purchase through Stripe. The download starts right after payment, and the receipt comes by email.
Fair question: why pay when the guides here are free? The free pages explain the system. The Playbook is the working document: the version you print, write in, hand to your spouse, and check boxes on for the two months the claim runs. The letters alone (supplement request, recoverable depreciation demand) are the part most people never send because they do not know the words.
This is an educational publication by a Minnesota attorney, not legal advice about your claim, and buying it does not create an attorney-client relationship or any claim-assistance service. If your dispute is large, the escalation chapter tells you when a policyholder attorney or licensed public adjuster is worth hiring.
Not sure yet? Read how the claim works first; the Playbook will still be here when the estimate looks short.