How Claims Answer Man and Homeowners Insurance Exposed work together
Two programs with one goal. HOI Exposed, hosted by John Dwayne, raises public awareness and shares homeowner stories. Claims Answer Man teaches the claim process step by step.
- John Dwayne hosts the HOI Exposed podcast
- HOI Exposed: podcast and homeowner stories
- Claims Answer Man: claim education
Quick answer
What is Homeowners Insurance Exposed?
Homeowners Insurance Exposed, or HOI Exposed, is a consumer awareness project and podcast hosted by John Dwayne. It shares homeowner claim stories, articles, and expert answers to questions homeowners send in. Claims Answer Man is its homeowner education program: a step-by-step course on managing your own claim.
How the two programs are connected
Claims Answer Man is the homeowner education program of Homeowners Insurance Exposed (HOI Exposed). John Dwayne, who hosts the HOI Exposed podcast, created Claims Answer Man after a long claim of his own. He is an NFIP Certified Adjuster and retired FEMA Housing Inspector. After severe winter storm damage to his house, his claim involved Travelers Insurance and Vertex Engineering. It showed him how hard the process is, even for someone who knows the industry.
They do different work. HOI Exposed shows the public how claims play out for real families. Claims Answer Man is an online course that teaches the claim process, from the first photo to the final payment. You can read John’s full background on our About page.
What HOI Exposed does
HOI Exposed is a consumer awareness project. On its website and podcast you’ll find:
- The HOI Exposed podcast, hosted by John, with video episodes on YouTube. Homeowners send in questions, and professionals who work around claims, such as attorneys and public adjusters, answer them on the show.
- Stories from viewers: homeowners’ own accounts of their claims, shared on the website, some under a pen name.
- Articles and questions and answers about the claim process and the insurance industry.
- Pointers to state insurance commissioners for homeowners who want to file a complaint.
- Visits to disaster areas, where John talks with homeowners in person.
Visit the Homeowners Insurance Exposed website to watch episodes, read stories or send in your own.
What Claims Answer Man does
Claims Answer Man is a school, not a megaphone. It teaches you how a homeowners insurance claim works, so you can take part in your own claim with confidence. It offers three things:
- A step-by-step video course. The Claims Answer Man course has 31 lessons in the order a claim happens, from protecting your home to closing the claim.
- A claim toolkit. Diaries, logs, checklists and worksheets that help you keep your claim organized and in writing.
- Free guides. Short claim resources and articles on topics like depreciation, deductibles and loss of use, plus help for each type of damage.
Claims Answer Man doesn’t handle claims, contact insurers, review estimates or give legal advice. When a situation needs a licensed attorney or public adjuster, the course helps you recognize it and know what to ask.
HOI Exposed and Claims Answer Man side by side
| HOI Exposed | Claims Answer Man | |
|---|---|---|
| Main job | Public awareness and homeowner stories | Teaching the claim process step by step |
| Format | Podcast episodes, articles, viewer stories | Video lessons, worksheets, checklists, free guides |
| Voice | An advocate: direct and outspoken | A teacher: calm and practical |
| Best when | You want to hear how other homeowners’ claims went | You need to know what to do next on your own claim |
| Website | claimsanswerman.com | claimsanswerman.com |
Which one should you use right now?
- The damage just happened. Start with the free first-days claim checklist. It tells you what to photograph, what to keep and what to do first.
- Your estimate or first check just arrived. Read why the first check is often smaller, then decide whether the full course would help.
- You feel alone in this. The HOI Exposed podcast lets you hear from other homeowners who went through the same thing.
- You want to complain about how your claim is being handled. Your state insurance department is the official place. Our guides to claim rules in each state show you where to start.
Questions about HOI Exposed and Claims Answer Man
Can I send a question about my claim to HOI Exposed?
HOI Exposed invites homeowners to send questions through its website, and some are answered on podcast episodes by guests such as attorneys and public adjusters. Those answers are general discussion meant to help many listeners, not advice on your individual claim. For your own situation, read your policy, contact your state insurance department, or speak with a licensed attorney or public adjuster in your state.
Where can I watch or listen to the HOI Exposed podcast?
HOI Exposed episodes are published as videos on YouTube, and the Homeowners Insurance Exposed website at claimsanswerman.com links to them, along with viewer stories, articles and a page on contacting state insurance commissioners. Claims Answer Man doesn’t host the episodes.
Do I need to follow HOI Exposed to use Claims Answer Man?
No. Claims Answer Man stands on its own. The free guides, the claim checklist and the course teach the full claim process without any podcast listening. Many homeowners like both, though: the podcast for hearing what other families went through, and the course for knowing what to do next on their own claim.
Should I share my claim story publicly while my claim is still open?
Think it through first. Sharing your story with HOI Exposed can help other homeowners. But anything posted publicly can be read by anyone, including your insurer, and details can be taken out of context. Many homeowners wait until the claim is settled, leave out names, or talk to a licensed attorney first if a dispute or lawsuit is possible.
Why does HOI Exposed sound so different from Claims Answer Man?
The two projects have different jobs. HOI Exposed is an awareness and advocacy voice, so it speaks directly about problems homeowners run into. Claims Answer Man is a teacher, so it stays calm and practical and treats the insurer as the other party in a process, not a villain.
Sources for this page
- Homeowners Insurance Exposed (official website: podcast, stories from viewers, questions and answers, insurance commissioner pointers, disaster visits) (opens in a new tab)
- NAIC: Find your state insurance department (opens in a new tab)
- NAIC: Post-Disaster Claims Guide (PDF: what public adjusters and attorneys do, and state licensing) (opens in a new tab)
Learn the claim process, one step at a time
Start with the free claim checklist, from the first 72 hours to the final payment. Then join the course early-access list to learn each step in depth.
Claims Answer Man and Homeowners Insurance Exposed provide general information for homeowners. Neither is a law firm, public adjuster, insurer or contractor, and neither gives advice about your individual claim. Opinions shared on the HOI Exposed podcast belong to the speakers.