I am bewildered
when someone says they are fighting with their adjuster
for $3,000 on an auto claim, or $500,000 on their
homeowner’s claim, yet they “can’t
afford” $25 or $75 (even with an information
guarantee!) to get all or part of that $3,000 or $500,000.
And if one is trying to decide between different website
publications, considering the money at stake, why
not buy eBooks from several websites?
You could easily spend $150-250/hr on
a lawyer only to find out he really knows nothing
about property insurance claims. Of the 160,000+ practicing
attorneys in California, there are not over 10 or
15 who really know property insurance claims, and
most of them work only for insurance companies! The
George Bush US Supreme Court eliminated the punitive
damage incentive against insurance companies with
the "State Farm v. Campbell" case in 2003.
This eliminated the motivation for 99.9% of plaintiffs
attorneys to pursue bad faith 1st party property claim
litigation against insurance companies. The insurance
industry went on to bring in record profits in the
following years, and in spite of Hurricane Katrina
and other major hurricanes! But let's get back to
the point here ...
I can’t emphasize enough, how
in my 15 year experience as a "public" adjuster,
it sometimes only took one bit of information
to get coverage for a denied claim, or to add huge
chunks of money (sometimes hundreds of thousands of
dollars) to a claim. If anyone does not believe this,
I would be glad to show the files (providing my clients
privacy be properly guaranteed).
Would you rather spend hours, days,
weeks or months looking for that one bit
of information in the policy or in the
law (which, no offense intended, you and most attorneys
would probably never find or know what to do with
anyway), while your legal and policy time limits slip
away, or get it INSTANTLY in a guaranteed
If Ron Cercone, an individual with average
intelligence, but a ton of insurance claims
knowledge, can get an average of 34% more claim settlement
dollars, "over and above" what policy holders
achieve on their own, and he has put everything he
knows in his UClaim eBooks, does it not stand to reason
that even if YOU achieve only half
of that 34%, you have covered your investment in a
UClaim eBook tens, hundreds and even thousands of
The most common question I get is something like
this: “The adjuster said he/she would pay
X dollars for my total loss car. But the value of
my car is TWICE what the adjuster is paying. What
can I do?" The same question is asked in
home and business owner claim valuations and repair
Well, there is no one right answer. In fact there
may be several possible responses and strategies,
depending on the circumstances of your claim (and
if you are lucky, it may only take one bit of information
to double your settlement). UClaim eBooks will help
you make the best response and strategy for your circumstances.
It will show you how to alter that strategy, just
as the adjuster alters his/her own strategy with every
phone call or letter. Just like every move in a game
You will not
learn how to “play” the insurance claim
game from one or two answers to questions on a forum,
newsgroup or blog. First, if you post
a question that is over a paragraph in length, it
will usually be ignored or answered only in part,
if that. And even if the answer is competent, it will
only be good based on the circumstances at the time
of your question, (if you included the circumstances).
Second, the “volunteer experts” answering
the questions on those websites are not doing this
because they are angels from heaven sent to help the
poor consumer. They are either trying to generate
traffic to their own money making websites (like me!),
or they are on their own little “ego trip”.
The “claim game” changes
every day (and it is a game, even when
it hinges on one bit of information). It is, again,
exactly like a game of chess. The strategy changes
every day and with every move. You don’t know
what the adjuster’s next move is going to be.
And you don’t know what the best response is.
There may only be one response you can make. There
may be several responses, and you have to choose the
best one for that point in time (just like in a game
of Chess). And guess what else? The adjuster
doesn’t know what … ‘your’
… next move is going to be.
This is where UClaim eBooks come into play. You will
learn the thought process for making your own best
decision. You get the most common strategies and maneuvers
that adjusters use, and,
you get the best response, moves and strategies to
choose from and modify for your own unique circumstances.
These maneuvers and strategies are based on MY
OWN PROVEN EXPERIENCES as a “public
adjuster” working "against" insurers
since 1995, and working on their side for 15 years
There are no websites out there with eBooks by an
author with experience as both a public adjuster and
a company adjuster (see Ron Cercone
link). Yes, there are some authors who have been “top
executives” for insurance companies. But NONE
OF THEM have ever had their income based
on additional money that insurance companies were
forced to pay after having lowballed or denied claims.
I was forced to learn successful maneuvers and strategies.
The best of what I learned is clearly written in the
As an editor who reviews public adjuster websites
for the top search engines, I can personally say that,
as of October of 2009, I have seen no websites where
the principal’s credentials matched those of
Ron Cercone. In fact, most give no information at
all on their personnel. And their fancy titles don’t
necessarily equal competence. Why expound on Ron
Cercone? Because in the end, when you decide where
to invest your money, it should be on what's between
the author’s ears, not the hype.
Most visitors to UClaim are looking for free information.
And they want an answer for their claim question or
problem. They want it NOW.
While UClaim eBooks will answer 99% of your specific
claim questions, the goal is to teach you how to “catch
your own fish and feed yourself”, not only for
your current claim, but for future claims. You won't
find “one time only” gimmicks here. Many
of the lessons you learn in UClaim eBooks can also
be applied in other important financial matters in
your life, buying a house for example.
And if you want to learn the profession of public
adjusting, and be able to make money on tough claims
and in tough economic times, then read my eBooks.