What this site is
Why does this site exist? Because homeowners shouldn’t need a law degree to get a fair claim outcome — and most guides are written by the industry, for the industry.
Claims Guide is a plain-English resource for homeowners navigating property insurance claims — filing, adjuster visits, estimates, denials, supplements, and disputes. Every guide answers one real question, the kind people actually type into a search box at midnight, with the answer first and the depth after.
The site stands with homeowners and honest contractors. Underpaid claims hurt both: the homeowner gets shortchanged and the contractor doesn't get paid fairly for the work. Your contractor generally can't argue coverage on your behalf — so this is the voice they aren't allowed to use.
Who writes it
Will Tygart is the founder of Tygart Media, an AI-first agency serving restoration contractors. He spends his working life inside the insurance-claim process — which is exactly why he knows how opaque it looks from the homeowner's side. He's not a lawyer, not an adjuster, and not selling anything here. He's the translator.
How it's kept honest
- No insurer talking points. Nothing here is reviewed or approved by any insurance company.
- No sales pitch. There is nothing for sale on this site.
- Reviewed regularly. Every page carries a last-reviewed date. Insurance rules change; when they do, the guides get updated.
- Corrections welcome. If something's wrong or out of date, it gets fixed — visibly.
The fine print
Insurance rules vary by state and by policy. Check your own policy documents and your state's insurance department, or talk to a licensed professional, before acting on a claim. Nothing on this site creates an attorney-client or adjuster-client relationship.
What you'll find here
| Topic | Questions answered |
|---|---|
| Filing | Should I file? What does it cost me? |
| The adjuster visit | Your rights, how to prepare, red flags |
| Estimates & payments | Low estimates, supplements, ACV vs. replacement cost |
| Denials | Water, mold, appeals, appraisal, DOI complaints, bad faith |
| Disputes & help | Recourse ladder, timelines, public adjuster vs. attorney |