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How personal possessions cover works for items.
Cover

Cover for Things You Take Out of the House

Gerald Ntumba-WhitlockUpdated on August 27, 2026February 11, 2026

I remember standing in a living room that smelled of stale smoke and scorched nylon, looking at a man who …

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Understanding how warranties affect cover.
Insurance

A Warranty You Did Not Notice Agreeing to

Gerald Ntumba-Whitlock February 7, 2026February 7, 2026

I remember standing in a flooded basement in Surrey back in ’94, the smell of damp drywall and ruined carpets …

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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, 2026

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

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Complete guide to claim evidence book cover.
Guides

The Complete Guide to Claim Evidence

Gerald Ntumba-Whitlock February 6, 2026February 6, 2026

I remember standing in a living room in Surrey back in ’94, the air thick with the cloying, heavy scent …

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Understanding how loss adjusters work.
Claims

The Adjuster Works for the Insurer

Gerald Ntumba-WhitlockUpdated on August 27, 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 September 24, 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-WhitlockUpdated on August 27, 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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