Not sure where to begin? If the damage just happened, the first group below walks you through the first days. If your claim is already open, find the problem you’re facing under Claim help, check the claim rules in your state , or look up a word from an insurer’s letter in the claim glossary .
Claims Answer Man is the homeowner education program of Homeowners Insurance Exposed, created by John Dwayne, an NFIP Certified Adjuster and retired FEMA Housing Inspector. Everything here is education, not legal, adjusting or contracting advice. The guides are written by the Claims Answer Man team, and each long-form guide lists the sources it was checked against.
51 pages in 6 groups. New pages show up here as soon as they’re published.
Start here
3 pages
Start here if the damage is new or you haven’t reported the claim yet. The free claim checklist covers what to photograph, save and write down from the first days to the final payment, and you can tick it off on screen or print it. The guide to starting a claim lists what to have ready when you call your insurer. The home page shows the whole claim, stage by stage, so you can see where you are.
Claim help
12 pages
Claim help is organized two ways. The damage guides cover roof, hail, wind, water, flood, fire, hurricane and wildfire claims, each with what to document and the coverage questions that come up most for that kind of loss. The problem guides cover what to do when an estimate looks low, when a claim is denied and when more damage turns up once repairs begin. Each guide has its own FAQ and lists its sources.
Help by state
13 pages
Claim rules change at the state line. The Help by state page has a deadline table for all 50 states and DC. It shows the time limits an insurer has to acknowledge, decide on and pay a claim, where state law sets them, with the law cited for each state. Each state guide goes deeper for its own state: those deadlines, how to file a complaint with the state insurance department and, where a state has them, mediation programs and insurers of last resort. Every fact row cites the statute, regulation or agency page it comes from. These are summaries, not legal advice, so confirm anything that matters with your state’s insurance department.
Free resources
11 pages
The free resources explain the policy terms that decide how much a claim pays: dwelling coverage, the declarations page, deductibles, loss of use, actual cash value versus replacement cost and recoverable depreciation. Two guides explain the difference between your insurer’s adjuster and a public adjuster you’d hire yourself. The home inventory checklist helps you list what was damaged or lost, and the glossary gives a one-line meaning for 90 terms from letters and estimates.
Company
7 pages
These pages are about Claims Answer Man itself. The course is a video course of 31 lessons in seven modules. It isn’t open yet, and you can join the early-access list on the course page. About introduces John Dwayne, while How it works and What you’ll learn describe the course. The FAQ answers common questions. Contact takes course, early-access and media questions, plus privacy requests and accessibility reports. The Homeowners Insurance Exposed page explains how the podcast and the course fit together.
Legal
5 pages
The legal pages set out how this site works: what we collect and how we use it, the terms of use, the education-only disclaimer, and our accessibility goals with how to report a barrier. Claims Answer Man is an education program. It isn’t a law firm, public adjuster, insurer or contractor, and nothing on the site is legal or adjusting advice about your own claim.
