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Understanding how loss adjusters work.
Claims

The Adjuster Works for the Insurer

Gerald Ntumba-Whitlock February 3, 2026February 3, 2026

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

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Complete guide to making a claim book.
Guides

The Complete Guide to Making a Claim

Gerald Ntumba-WhitlockUpdated on August 20, 2026February 2, 2026

I’ve spent thirty-seven years standing in the middle of ruined living rooms, smelling the acrid stench of burnt electrical wiring …

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How risk management reduces premiums through fixes.
Risk

Showing an Underwriter What You Fixed

Gerald Ntumba-Whitlock February 2, 2026February 2, 2026

I remember standing in the basement of a mid-sized manufacturing plant back in ’94, the air thick with the smell …

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How high value items are covered: rings.
Cover

Specifying the Ring Before You Lose It

Gerald Ntumba-WhitlockUpdated on August 20, 2026January 31, 2026

I remember standing in a living room in Surrey back in ’94, looking at the charred remains of a mahogany …

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How policy conditions differ from exclusions.
Insurance

Conditions Precedent and Why They Bite

Gerald Ntumba-Whitlock January 29, 2026January 29, 2026

I remember standing in a semi-submerged living room in Bristol back in ’94, the smell of damp plasterboard thick in …

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Explaining how exclusions work in products.
Insurance

Exclusions Are Where the Product Actually Lives

Gerald Ntumba-Whitlock January 28, 2026January 28, 2026

I remember standing in a semi-submerged living room in Surrey back in ’94, the smell of damp plaster and sodden …

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How to value contents accurately via inventory.
Cover

Room by Room Inventory in an Afternoon

Gerald Ntumba-WhitlockUpdated on August 20, 2026January 27, 2026

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

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Understanding how self insurance works.
Risk

Carrying Your Own Small Losses

Gerald Ntumba-Whitlock January 26, 2026January 26, 2026

I remember standing in a half-submerged basement in Surrey back in ’94, watching a business owner realize that his “comprehensive” …

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Complete guide to disclosure duties book cover.
Guides

The Complete Guide to Disclosure Duties

Gerald Ntumba-Whitlock January 24, 2026January 24, 2026

I remember standing in a half-charred living room in ’94, the smell of wet soot and melted plastic still clinging …

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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, 2026

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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