At the core of any documentation plan is separating projected costs from incurred costs and mapping every expense to the correct coverage bucket. This article explains how to do it well, what to expect from your insurer, and how to stay organized throughout the process.

Projected vs Incurred

 Demand Surge

This chapter provides an in-depth look at demand surge—its causes, impacts, and ways to mitigate it—supported by real-world examples from major disasters such as Hurricanes Katrina and Harvey and the 2018–2019 California wildfires. It concludes with a hypothetical analysis of how demand surge may unfold in LA.

After a disaster, you may receive an Xactimate estimate that plays an important role in determining the scope and cost of repairs. This guide explains how the estimate is organized, what its codes and line items mean, and what details deserve closer attention.

Xactimate Estimates

Communications Tips

This guide helps you navigate your insurance claim as a negotiation. Your insurer’s goal is to minimize costs—yours is to recover fully. To protect your interests, stay strategic, communicate clearly, and document everything.

This important Endorsement helps cover the extra costs of bringing your home up to current building codes  — including required upgrades like fire sprinkler systems, septic system compliance, permit fees, and other code-driven expenses that aren’t covered under standard policy limits.

Code & Ordinance

After a disaster, homeowners must decide whether to sell their damaged property or rebuild. These Rallybacks help homeowners understand key financial considerations to make the best choice for their situation.

Selling vs Rebuilding