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The Claim Game: A Homeowner's Guide to Avoiding an Insurance Catastrophe
Format: PaperbackChange
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3 of 3 people found the following review helpful
on November 2, 2009
Format: Paperback
I was looking for a book on homeowner's insurance and since this one seemed to be the most current and complete, so I got it and I'm really glad I did. Having the table of contents online really helped to decide. We had a sewer back up claim and this book saved so much time and aggravation and actually money to that if I didn't get this book I would've pulled most of my hair out by now, really. Most of the people on our block had water in their basement and I became the go-to expert after reading this book. I got asked so many questions by so many people I started lending the book out! We're really really happy we got this book. And its funny, to, I'm in bed reading and I laugh out loud and a few pages later I laugh again and my wife looks over and says "What are you reading thats so funny?" Its a book on homeowner's insurance! I never would've thought a book about homeonwer's insurance could be so funny, but this one is. Really, if you have a homeonwer's claim, this book is great, you really can't go wrong with it.
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2 of 2 people found the following review helpful
on May 10, 2011
Format: Paperback
I ordered this book after my brother lost most of his house from the April tornadoes we had here in Tennessee. The really useful parts don't start until the 4th chapter and at first I thought the chapters could have been arranged better, but as my brother started through his claim (he and his family are staying with us) the sequence made more sense. I read the parts I skipped over and was really glad I did. There's so much good information here, my highlighter just about wore out marking it all. One example, if you do your own clean up work or repairs, you get paid for it by the insurance company, and that even extends to family members. My brother got paid back about twice his deductible for all the work we've done and we're just getting started! Another thing, my brother was going to hire a public adjuster to negotiate his settlement but after reading the chapter on how to settle your claim, I talked him out of it and saved him another $1000+. The free forms available on the website have been really helpful, just wish they were there in the book. All in all, if you or someone you know has a lot of damage, I'd really recommend this book, it will pay for itself many times over.
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1 of 1 people found the following review helpful
on February 1, 2013
Format: PaperbackVerified Purchase
Confirmed that I was headed in right direction with insurance company negotiations. I Wish I had found this book sooner.
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on March 6, 2014
Format: Kindle EditionVerified Purchase
Some of the chapters are repetitive. Book could be condensed and will give same amount of information. Would recommend for homeowner who has very limited knowledge of insurance claim process.
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on March 11, 2015
Format: Kindle EditionVerified Purchase
Finishing up my claim based on knowledge I learned from this book. I can tell you, if you follow the advice in this book you will be successful with your claim.
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2 of 4 people found the following review helpful
on December 16, 2011
Format: Paperback
I read the sample. As an insurance regulator (rate & form filings; market conduct) specializing in homeowners insurance, I try to stay well-apprised of all information available.

The first few pages say that you will generally not get an increase in your homeowners insurance from filing a claim. This runs directly contrary to what I see in the rate manuals. Generally, if the claim is over $250 or $500, it will be counted for a loss history rating factor. These rate manuals are publicly-available from your state insurance departments. Companies should be able to tell you how much of a hit you're gonna take. If they won't, switch companies. I'm not necessarily saying that you should not file a claim whenever you have damage, as not notifying your insurance company of a loss which becomes serious later on could put you in a bad position.

It's also not true that you won't be dropped from your insurance for a single claim. Regulators certainly hear about this happening, and from what I've heard it is not some sort of 'black swan'. It's more typical with water damage type claims (burst pipes, mold damage, etc). I personally have not seen this happening, but I haven't been doing this for all that long.
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