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See Why You Really Are The EnemyAbout Ron Cercone, a public insurance claim advocate

Insurance Claims Advice and Help eBooks

For Help in Presenting Your Insurance Claim:
        Insurance Claim Law 
        Unfair Claim Settlement 
        Insurance Claim Denied 
        Insurance Claim Questions 
        Insurance Claim Procedure


Free Insurance Claims Advice and Help for Insurance Claim Questions on Auto, Home and Business for Fire, Water, Wind, Flood Damage, etc. and Denied Claims.

 Free Policy Copies

 About Public Adjusters (how to find a good one in your area)

 One example of a good Public Adjuster (me)

 FEMA NFIP Adjuster Claims Manual 2010 (Includes the USA Federal Standard Flood Policy)

 1. You are the Enemy
 2. Illegal Payment Checks
      Page 1
      Page 2
 3. Proof of Loss & Release
      Page 1
      Page 2
 4. Lowball Estimate
 5. View Questionnaire
      Page 1
      Page 2
      Page 3
 6. News Articles
      60 Minutes
      CA Insurance Dept.
      State Farm News
   "You are the Enemy"
(View online!)

This document contains samples of blatant FRAUD BY INSURERS against their own policy holders, as well as examples of how insurance companies really view their customers, and how they will sometimes do everything in their power to lowball or deny a business, home or auto insurance claim.

These excerpts are recommended for those with dial-up connections, or those who do not wish to download the complete PDF file below.

frauds.pdf [5MB]

Complete Document
"You are the Enemy"
(Complete document)

This is the complete document in one file (in pdf format) which contains all of the above documents.

This document requires Adobe Acrobat or Reader, which can be downloaded free by clicking on the image below.

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