Plain-English articles on insurance claims, denied claims, hail damage, public adjusters, and what every policyholder should know — written by Will Addis based on his career as a public adjuster, now licensed in 18 states.
Washington's emergency order already protects you — a 45-day premium grace period and no cancellation for nonpayment. What to do first, who to call, and what each one costs.
Read article →A complete permit application locks in today's code. Where Washington's Wildland-Urban Interface rules actually stand, and what Ordinance or Law coverage does and does not pay for — every line sourced.
Read article →When the carrier sends you the first check on a covered loss, they may have withheld a chunk of money you can still get.
Read article →Two settlement provisions that decide how much your insurance company actually pays. Same loss, different policies, very different outcomes.
Read article →Three kinds of property deductibles, and one of them can cost a significant amount more than expected. Here is how each works.
Read article →A denied claim isn't the end of the road. The four things to do in the first 30 days after a denial, and why most denials don't survive a proper challenge.
Read article →Most policyholders never read their policy until something goes wrong. A plain-English guide to the four sections that actually matter when you have a claim.
Read article →Both can help with insurance claims. They do different things at different stages. Hiring the wrong one wastes money — and sometimes the right answer is both, in sequence.
Read article →Predictable mistakes policyholders make in the first 60 days after a storm — and how to avoid them.
Read article →There's a straight test for whether you need representation — and it's not the size of the claim. It's the gap between what the carrier is offering and what the policy actually owes.
Read article →This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
