This 204 page "Flagship" eBook comes complete with Ron’s insurance claim advice. It includes his best ideas and techniques to maximize your insurance claim recovery.

It covers all aspects (building, contents, additional living expense, other coverages, etc.) of a homeowners property claim for any covered cause of loss including but not limited to fire, wind, hail, earthquake, hurricane, water damage and flood. It includes many other eBooks for sale at UCLAIM.com.

It includes the “Homeowners Insurance Claims Appendix” (the contents of which are shown at the end of the Table of Contents). The Appendix is full of highlighted items and Ron’s personal commentary, aimed at protecting you and maximizing your claim.

Much of Ron's "appendix commentary" is not found in the text body portion of the book. “Examination Under Oath (EUO)”, “Denied Homeowners and Business Owners Property Claims” and “Claims Practices Laws” guides are unnecessary to most claims and are available for separate purchase.

If you want to learn the profession of Public Adjusting, start with this one. It's your “Bible”.

This document is for prior purchasers of the Homeowners Insurance Claim Advice and Help Standard version who decided they would like the full appendix (which is included with the Deluxe version). These documents are samples of actual common insurance claim documents that are full of highlighted items and Ron’s personal commentary aimed at maximizing your claim.

This guide is specialized because this is where homeowners get trapped by adjusters.

It’s worth its weight a thousand times in gold. Think of this as like that newspaper article you cut out that had those priceless ideas. Whether from the start of your homeowner contents insurance claim or six months down the road, this guide will help with any kind contents claim, theft, water damage, fire, smoke. It shows how to deal with contents "packed out" and stored at your insurers favorite restoration facility (eg. ServiceMaster) situation.

They will often waste your contents policy limits trying to clean and save items damaged. If they fail and your contents personal property insurance claim exceeds the policy limit, guess who the cleaning company will pursue for the bill? You. The restorator drops off your “cleaned” contents and you open the boxes days or weeks later to find items missing or not 100 percent “restored”. How could you have prevented this? What do you do now? How do you reverse this injustice to your advantage? Remember, this is a war, and you really are the enemy.

The information in this guide is included in both the Standard and Deluxe versions of the Homeowners Insurance Claim Loss – All Aspects books for sale.

This is another insurance claim advice guide worth it's weight in gold.

This guide will show you how to “maximize” your personal property inventory whether you have contents replacement cost coverage or not, and whether from the start or a couple of years down the road.

You may have to submit a contents inventory list after a loss. It's always better if you do it than some 3rd party. No one knows your stuff better than you do, and anyone you hire will have to consume your time anyway getting descriptive information from you. This guide will also show you how to easily get paid for the cost of doing an inventory (something most insurers will strongly resist). This guide includes samples of "maximized" inventory sheets and depreciation charts.

DON’T ASSUME that just because you have replacement cost coverage you can’t get burned. Without following my simple homeowners insurance contents inventory list claim advice, by the time you learn how it all works, it will be too late and you will get burned.

Insurance adjusters rely on withholding key insurance claim information at the time when it will do you the most good. Most people don't replace half of what they had. Almost every homeowners insurance policy says you don’t get replacement value if you don’t replace the lost item and so you consequently fall victim to the adjusters best friend - "depreciation".

This guide is included in both the Standard and Deluxe versions of the Homeowners Insurance Claim Loss – All Aspects eBooks for sale.

This 254 page eBook is full of Ron's proven ideas and techniques to maximize your rental property claim, whether it's a single family dwelling or a high rise complex.

It covers many aspects (building, furnishings, fixtures, equipment, loss of rents and income, “extra expenses” and "other coverages") for any covered cause of loss including but not limited to fire, wind, hail, earthquake, hurricane, water damage and flood. It includes many of the individual property guides for sale at UClaim. The Appendix is full of highlighted items and Ron's personal commentary, most of which is not included in the text body portion of this book.

“Examination Under Oath (EUO)”, “Denied Homeowners and Business Owners Property Claims” and “Claims Practices Laws” guides are unnecessary to most claims and are available for separate purchase.

It covers many aspects (building structure, inventory, equipment, fixtures, loss of income, extra expense and other coverages, etc.) of a business owner insurance claim for any covered insurance claim peril cause of loss including but not limited to fire, wind, hail, earthquake, hurricane, water damage and flood.

It includes many of the individual property guides for sale at UClaim.com Products. It includes the “Business Owners Appendix” (the contents of which are shown in the Table of Contents). The Appendix is full of highlighted items and Ron's personal commentary, much of which is not included in the initial text portion of this book.

“Examination Under Oath (EUO)”, “Denied Homeowners and Business Owners Property Claims” and “Claims Practices Laws” guides are unnecessary to most claims and so they are available for separate purchase.

It includes information on rental cars, “loss of use” of your car and retaining your vehicle as salvage without having to put a “salvage title” on your vehicle.

Depending on the insurer’s valuation method, sample ADP AutoSource, CCC ValueScope and independent “Gunslinger” appraisals dissected are available for separate purchase.

Included is information on rental cars, “loss of use” of your car, and how to retain your vehicle as salvage without putting a “salvage title” on your vehicle.

Depending on the insurer’s valuation method, sample ADP AutoSource, CCC ValueScope and independent “Gunslinger” appraisals dissected are available for separate purchase.

Also included is a sample field worksheet completed in the field by the insurer’s adjuster or appraiser. It can sometimes be easier to read than the ADP computer print outs. Also included is ADP’s own 6 page condition rating guideline. The condition ratings will use one of two methods depending on what your insurer wants: General category with 3 ratings, or “Subcategory” with 5 ratings. You must read the definitions in these guidelines and see if they rated your vehicle according to their own rules.

Also included are several different newer and older single page field worksheets used in the field by the insurer’s adjuster or appraiser. They can sometimes be easier to read than the CCC computer print outs. One is the “Standard” worksheet and the other is the “Extended” worksheet. Also included are 9 pages of CCC’s own condition rating guidelines for both the “Standard” and the “Extended” methods. You must read the definitions in these guidelines and see if they rated your vehicle according to their own guidelines.

Ron’s “Gunslinger Dissected” guide teaches you how to discredit their appraisals. It also shows you how Ron dissected two “Gunslinger” appraisals in Northern and Southern California. The Gunslinger in Southern California, Appraisal Express of Manhatten Beach, was used by Allstate for all non recovered vehicle theft claims in Fresno, California at the time of this writing. Ron also shows how he was able to even obtain and use a CCC valuation to discredit a Gunslinger appraisal (CCC is normally a tool for insurers, not policy holders). The 2nd sample is from a different Gunslinger in Northern California.

If you or your own appraiser are overwhelmed by the 15 page computer appraisals, such as by ADP and CCC, you should push the insurance adjuster to obtain a traditional appraisal and let them view a sample in this report before they demand a formal “policy appraisal procedure” (and WW III breaks out). It seems to be a dying skill, however many of the older big appraisal firms should be able to do one.

If you would like to see claim advice guides for sale in this category, please email us.

Until a specific eBook is made available for Boats and Watercraft, if your insurer valued your Boat or Watercraft based on "comparable Boats/Watercraft" for sale or recently sold, the closest match to handling this type of claim will be the Total Loss Auto eBooks.

This 157 page eBook may help you to get coverage if your claim was denied in part or in full (or reduced to a token policy limit, such as with most mold claims). You may be able to reopen denied claims up to three or four years old even if you signed a Proof of Loss or a Release.

It goes from general insurance policy denial such as for “insurance policy out of force” for alleged non payment of premium to selected specific and common denials such as for “mold”, “surface water”, “vacant structure”, “code enforcement”, “concurrent cause of loss not covered”, “cause of loss itself not covered,” and most egregious of all “failure to cooperate.”

Insurers also often allow a token policy limit for an item (eg. mold) rather than to attempt to exclude and fight certain claims. You don’t always have to settle for that. If your own home or rental house was burned and arson was the cause, you will need this eBook as well as the EUO eBook if you are being looked at as a suspect. This denied insurance claim advice guide is full of Ron’s best proven ideas and techniques to get your denied claim covered.

These insurance claim denied documents are samples of insurance claims documents that Ron has critiqued. This document is full of Ron’s best proven ideas and techniques to get your denied claim covered.

This “how-to” book focuses on entire policy denial such as for “insurance policy out of force” for alleged “non payment of premium” and “item not scheduled” on the insurance policy (such as one vehicle or watercraft missing or improperly listed or described on your policy). It is full of Ron’s best proven ideas and techniques.

This Deluxe version includes the appendix to Denied Auto and Marine Property Insurance Claims that Ron has critiqued. See the table of contents for other items covered.

These insurance claim denied documents are samples of denied claims documents that Ron has critiqued. It's full of Ron’s proven ideas and techniques.

This book is in terms that both the professional and average person can understand. This document includes a sample 25 page abusive EUO excerpt, abusive EUO Demand and “Document Production” letter, a sample response letter and additional legal research items shown in the Appendix Table of Contents.

This book is full of Ron’s best proven ideas and techniques to help keep you out of trouble in a EUO.

This document is for prior purchasers of the Examination Under Oath (EUO) Standard version who decided they would like the full appendix. These documents are samples of insurance claim EUO documents that Ron has critiqued. (The first 36 pages are included with Examination Under Oath – Standard Version).

This insurance claim advice document is full of Ron’s best and proven ideas

In this eBook, Ron Cercone has highlighted the significant parts of insurance claim laws and he has added his comments that will help save your time and maximize your claim. This insurance claim advice eBook is full of Ron’s ideas and proven techniques.

This eBook is not included with any other documents for purchase at uclaim.com. MOST STATES have modeled their own claim practices regulations on these California insurance claims laws. If any California like insurance claims practices laws are not in your state, then you can still use them as “persuasive law” and in “equity” argument (“what’s fair” argument) with the claim adjuster or insurance claim attorney, regardless of whether or not you are in litigation, as discussed in detail in the Homeowners and Businessowners Insurance Claims Loss eBooks.

The California statutory insurance code regarding unfair claim practices (Unfair Claims Practices) is in accordance with the intent of Congress as expressed in the Act of Congress of March 9, 1945 (Public Law 15, Seventy-ninth Congress). The Statutory Fire Policy was adopted from the 1943 New York Fire Policy. MOST STATES have followed these models.

FEMA - Federal Emergency Management Administration

NFIP - National Flood Insurance Program