Understanding Potential Risk
At My Policy Advocate™, our goal is to help you learn about circumstances that can increase your risk of a claim being denied or contested. These are real-world examples across 29 types of insurance, showing where policyholders can have their claims denied or contested. Using our Ai-assistant, Clara, we read every line of your policy or quote […]
Public Adjusters
What is a Public Adjuster? A public adjuster is a licensed insurance professional who represents policyholders in preparing, filing, and negotiating insurance claims on property losses—working solely in your best interest, and negotiating with the insurance company on your behalf. How is a Public Adjuster different from my insurance company’s adjuster? When should I consider hiring a Public […]
Insurance is the backbone of financial security.
Understanding your coverage — and the terms hidden deep in the fine print — is essential to choosing the right protection and ensuring your claims are approved when you need them most. That’s why we’re offering educational lessons and live webinars created to help you safeguard what truly matters: your family, your home, and your […]
Template for responding to a Claim Denial or Slowness in Processing a Claim
To make this letter as effective as possible, please consider these points first: Template Letter to Insurance Company [Your Name] [Your Street Address] [Your City, State, Zip Code] [Your Phone Number] [Your Email Address] [Date] [Claims Adjuster’s Name, if known] [Insurance Company Name] [Claims Department Address] [City, State, Zip Code] Subject: Formal Request for Re-evaluation […]
Lightning Storms Increases in Frequency and Geography
This episode investigates the shifting geography of lightning across the United States and what it means for wildfire risk, public safety, and climate resilience. Drawing on research from NASA, AGU, and UC Merced, the discussion reveals how lightning is striking in new regions, increasing in frequency, and creating a universal hazard that challenges old assumptions […]
Long Term Care Insurance Planning
Overview: This episode of The Deep Dive examines how advances in modern medicine are extending life—and why that makes long-term care insurance (LTCI) essential for financial security. The hosts highlight the shift from planning for lifespan to planning for the care span, the years when support or assisted living may be needed. Drawing on research […]
Converting Term Insurance to Whole Life Insurance
This episode demystifies converting term life insurance to a permanent policy, like whole life. It highlights the key advantages of conversion, including locking in your initial health rating and gaining a tax-deferred cash value component. The episode outlines the practical steps to conversion, the importance of understanding deadlines, and the flexibility of partial conversions to […]
Cargo Insurance
Cargo insurance provides protection for goods and merchandise against physical loss or damage while they are being shipped by land, sea, or air. As a cornerstone of global trade and logistics, this policy safeguards a company’s financial interest in its products while they are in transit, covering risks from theft and mishandling to natural disasters.
Environmental Liability Insurance
Environmental liability insurance is a highly specialized policy that protects businesses from the enormous costs associated with pollution and environmental contamination. It covers expenses for cleanup, legal defense against third-party claims of bodily injury or property damage, and regulatory fines that are explicitly excluded from general liability policies, making it vital for high-risk industries.
Inland Marine Insurance
Despite its historical name, inland marine insurance is a modern policy that covers property, equipment, and materials while they are in transit over land or temporarily stored off-site. It fills a critical gap left by standard property insurance by protecting valuable assets that are mobile, such as a contractor’s tools at a job site or […]
