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How to negotiate a settlement using quotes.
Claims

Negotiating With Three Independent Quotes

Gerald Ntumba-Whitlock March 27, 2026March 27, 202612 min read

I once stood in a living room that smelled of charred oak and damp drywall, listening to a homeowner shout …

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How betterment is applied to property upgrades.
Claims

Paying Towards the Upgrade You Did Not Ask for

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 25, 202611 min read

I remember standing in a damp, half-collapsed living room in Bristol back in ’94, looking at a homeowner who was …

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How claims settlements are calculated in deductions.
Claims

The Deductions Behind the Offer

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 17, 202612 min read

I remember standing in a flooded semi-detached in Surrey back in ’94, the smell of damp plasterboard thick in the …

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See how exaggerating a claim backfires.
Claims

Adding One Invented Item Voids Everything

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 11, 202611 min read

I remember standing in a living room in Surrey back in ’94, the air thick with the smell of damp …

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How insurers detect fraud in claims.
Claims

Fraud Indicators and Innocent Explanations

Gerald Ntumba-WhitlockUpdated on August 20, 2026February 27, 202611 min read

I remember standing in a living room that smelled of stale smoke and burnt nylon, looking at a “high-end” television …

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Understanding how claims are investigated.
Claims

Why They Ask the Same Question Twice

Gerald Ntumba-Whitlock February 21, 2026February 21, 202611 min read

I can still smell the damp, stagnant air of that semi-detached in Surrey—a house that had been gutted by a …

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How loss assessors differ from adjusters guide.
Claims

Hiring Someone on Your Side of the Table

Gerald Ntumba-WhitlockUpdated on August 20, 2026February 18, 20269 min read

I remember standing in a flooded semi-detached in Surrey back in ’94, looking at a homeowner who was absolutely convinced …

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How to deal with a loss adjuster.
Claims

Meeting an Adjuster With Your Own Notes

Gerald Ntumba-Whitlock February 7, 2026February 7, 202612 min read

I can still smell the damp rot and charred timber from a commercial warehouse fire I inspected back in ’94. …

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Understanding how loss adjusters work.
Claims

The Adjuster Works for the Insurer

Gerald Ntumba-Whitlock February 3, 2026February 3, 202611 min read

I can still smell the damp rot and scorched electrical wiring from a kitchen fire I investigated back in ’94. …

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How evidence should be preserved: damaged item.
Claims

Do Not Throw Away the Damaged Item

Gerald Ntumba-Whitlock January 24, 2026January 24, 202611 min read

I remember standing in a kitchen in mid-July, the air thick with the cloying, sweet scent of stagnant water and …

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