Property Damage Insurance Claims Mastery Course

Complete 6-Module Video Course + Templates + Certification

Price: $297-497 (or $67/month × 6 months payment plan)

Course Overview

Who This Course Is For

This course is designed for homeowners who want to:

• ✓ Maximize their insurance claim payout (average increase: $8,000-15,000)
• ✓ Understand the entire claims process from start to finish
• ✓ Speak insurance language confidently
• ✓ Avoid contractor scams and choose quality professionals
• ✓ Handle their own claim without hiring a public adjuster ($2,500-5,000 savings)
• ✓ Know when to fight and how to win disputes

What You'll Learn

By the end of this course, you will be able to:

1. Document damage like a professional adjuster (photos, measurements, notes)
2. Read and understand your insurance policy and know exactly what's covered
3. Review estimates line-by-line and identify missing items worth thousands
4. Write supplements that get approved using proper insurance language
5. Negotiate with adjusters and win disputes with documentation
6. Vet contractors thoroughly and avoid the 7 most common scams
7. Verify work quality using IICRC standards and building codes
8. Manage the entire process from emergency response to final payment

Course Format

• 6 Core Modules (18 video lessons, 8+ hours of content)
• Downloadable Templates (30+ documents, checklists, scripts)
• Bonus Workshops (Live Q&A sessions, case study reviews)
• Private Community (Ask questions, share experiences)
• Certificate of Completion (Upon finishing all modules and passing quiz)
• Lifetime Access (All future updates included)

Course Outline

Module 1: Insurance Policy Deep Dive (Week 1)

• Lesson 1.1: Understanding Your Policy (Coverage, Limits, Exclusions)
• Lesson 1.2: RCV vs ACV - How Depreciation Works
• Lesson 1.3: Additional Coverages You Need (Ordinance or Law, Water Backup, Equipment Breakdown)

Module 2: Emergency Response & Documentation (Week 2)

• Lesson 2.1: First Steps When Disaster Strikes
• Lesson 2.2: Professional Documentation Techniques (Photos, Videos, Written Notes)
• Lesson 2.3: Emergency Mitigation - What to Do (and What Not to Do)

Module 3: Working With Adjusters (Week 3)

• Lesson 3.1: Understanding the Adjuster's Perspective
• Lesson 3.2: The Inspection Walkthrough - What to Say and Do
• Lesson 3.3: Common Adjuster Tactics and How to Counter Them

Module 4: Estimate Review & Supplement Writing (Week 4)

• Lesson 4.1: Reading Xactimate Estimates Line-by-Line
• Lesson 4.2: Identifying Missing Items (The $10K Checklist)
• Lesson 4.3: Writing Supplements That Get Approved
• Lesson 4.4: Negotiating Disputed Items

Module 5: Contractor Selection & Management (Week 5)

• Lesson 5.1: Vetting Contractors (License, Insurance, References)
• Lesson 5.2: Red Flags and Scams to Avoid
• Lesson 5.3: Contract Review (What Should and Shouldn't Be in There)
• Lesson 5.4: Managing the Restoration Process

Module 6: Quality Verification & Final Payment (Week 6)

• Lesson 6.1: IICRC Standards for Water, Fire, and Mold Restoration
• Lesson 6.2: Building Code Compliance Verification
• Lesson 6.3: Final Walkthrough and Punch List
• Lesson 6.4: Submitting Final Documentation and Getting Depreciation Holdback

Bonus Module: Advanced Topics

• Bonus 1: Handling Claim Denials and Disputes
• Bonus 2: Appraisal Process Step-by-Step
• Bonus 3: When to Hire a Public Adjuster (and When Not To)
• Bonus 4: Dealing with Storm Chasers and High-Pressure Sales

Module 1: Insurance Policy Deep Dive

Lesson 1.1: Understanding Your Policy (45 minutes)

Video Script Outline:

Introduction (5 min)

• "Most homeowners have never read their insurance policy. That's exactly what insurance companies are counting on."
• "By the end of this lesson, you'll understand your policy better than 95% of homeowners - and that knowledge is worth thousands of dollars."

Part 1: The Declarations Page (10 min)

• Walk through sample dec page
• Identify key information:
  • Coverage limits (dwelling, contents, ALE)
  • Deductible
  • Policy period
  • Named insured
  • Mortgagee (if applicable)
• Common mistake: Not updating coverage limits when home value increases

Part 2: Coverage Sections (15 min)

• Coverage A (Dwelling)
• Coverage B (Other Structures)
• Coverage C (Personal Property)
• Coverage D (Loss of Use / ALE)
• Coverage E (Personal Liability)
• Coverage F (Medical Payments)
• Which matters for property damage claims?

Part 3: Covered Perils (10 min)

• HO-3 (Special Form) - most common
• What "all risk" really means
• Reading the exclusions (flood, earthquake, wear and tear, etc.)
• Case study: Homeowner thought mold was covered (it usually isn't)

Part 4: Your Duties After a Loss (5 min)

• What the policy requires you to do
• Why this section is critical
• Consequences of not following duties

Action Steps:

• Download your policy (call agent if you don't have it)
• Highlight key sections
• Complete Policy Review Worksheet
• Schedule 15-min call with agent to clarify coverage

Downloadable Resources:

• Policy Review Worksheet
• Coverage Limits Calculator
• Questions to Ask Your Agent (template)

Lesson 1.2: RCV vs ACV - How Depreciation Works (30 minutes)

Video Script Outline:

Introduction (3 min)

• "This is the #1 thing homeowners don't understand about insurance payouts."
• "If you don't understand depreciation, you'll think you're getting ripped off when you're actually getting what you're owed."

Part 1: Replacement Cost Value Explained (8 min)

• What RCV means
• Example: $15,000 roof replacement
• Full cost to replace with new materials and labor
• What your policy promises (if you have RCV coverage)

Part 2: Actual Cash Value Explained (8 min)

• RCV minus depreciation = ACV
• How depreciation is calculated (age, condition, life expectancy)
• Example: 10-year-old roof, 20-year life expectancy = 50% depreciated
• $15,000 RCV - $7,500 depreciation = $7,500 ACV

Part 3: The Two-Check System (8 min)

• First check: ACV (minus deductible)
• Second check: Recoverable depreciation (after repairs completed)
• Timeline: When you get each check
• What happens if you don't complete repairs (you don't get depreciation back)

Part 4: Non-Recoverable Depreciation (3 min)

• ACV policies (older homes sometimes)
• Functional replacement cost
• When depreciation is NOT recoverable
• How to verify your policy type

Action Steps:

• Check your policy to confirm RCV vs ACV
• Calculate potential depreciation on major items
• Understand timeline for depreciation recovery

Downloadable Resources:

• Depreciation Calculator
• RCV vs ACV Comparison Chart
• Depreciation Recovery Timeline Template

Lesson 1.3: Additional Coverages You Need (40 minutes)

Video Script Outline:

Introduction (5 min)

• "The coverages we're about to discuss can make the difference between a $20,000 claim and a $50,000 claim."
• "Most homeowners don't have these - and they don't know they need them until it's too late."

Part 1: Ordinance or Law Coverage (12 min)

• What it covers: Code upgrades required to get permit
• Example scenario: 1980s home with old electrical, city requires upgrade to current code
• Without O&L coverage: You pay $8,000 out of pocket
• With O&L coverage: Insurance pays
• How much coverage to buy (10%, 25%, 50% of dwelling)
• Cost: Usually $50-150/year

Part 2: Water Backup Coverage (10 min)

• What it covers: Sewer/drain backup, sump pump failure
• Why standard policy doesn't cover this
• Example: Sewer backs up, floods basement, $30K damage
• Coverage limits: $5K, $10K, $25K options
• Cost: Usually $40-100/year
• Worth it? Depends on home age and sewer system

Part 3: Equipment Breakdown (8 min)

• What it covers: HVAC, appliances, electrical systems
• Different from regular "mechanical failure" exclusion
• Example: AC compressor fails, costs $3,500
• When this coverage helps vs when it doesn't
• Cost: Usually $30-75/year

Part 4: Scheduled Personal Property (5 min)

• For high-value items (jewelry, art, collectibles)
• Breaks through standard policy limits ($1,500 jewelry limit)
• Requires appraisal
• Covers more perils (mysterious disappearance, etc.)

Action Steps:

• Call agent and ask about these coverages
• Calculate cost to add them
• Decide which make sense for your situation
• Add to policy before you need them (you can't add during a claim)

Downloadable Resources:

• Coverage Comparison Chart
• Cost-Benefit Calculator
• Agent Questions Script

Module 2: Emergency Response & Documentation

Lesson 2.1: First Steps When Disaster Strikes (35 minutes)

Video Script Outline:

Introduction (3 min)

• "The first 24 hours after damage occurs determine whether you'll get a fair payout or leave thousands on the table."
• "This lesson covers the exact steps to take, in order, to protect your claim."

Part 1: Safety First (5 min)

• When to evacuate
• Turning off water/gas/electricity safely
• When to call 911
• When to call fire department
• Documenting safety hazards for insurance

Part 2: Emergency Mitigation (12 min)

• What "duty to mitigate" means
• Examples of required mitigation:
  • Water: Remove standing water, move contents
  • Fire: Board windows, tarp roof
  • Storm: Tarp damaged areas, secure property
• What's reasonable vs what's excessive
• Saving receipts for mitigation expenses
• When to call professional mitigation company vs DIY

Part 3: Calling Insurance (8 min)

• When to call (within 24-48 hours)
• What to say (script provided)
• What NOT to say (avoid these phrases)
• Information they'll ask for
• Getting claim number and adjuster info

Part 4: Securing the Scene (7 min)

• Don't throw anything away yet
• Don't let contractors start work yet
• Prevent theft/further damage
• Keep people out of damaged area
• Why this matters for your claim

Action Steps:

• Print emergency response checklist
• Post it somewhere visible (fridge, inside pantry door)
• Save insurance company phone number in phone
• Prepare "go bag" with important documents

Downloadable Resources:

• Emergency Response Checklist (printable)
• What to Say When Calling Insurance (script)
• Mitigation Expense Log
• Emergency Contact List Template

Lesson 2.2: Professional Documentation Techniques (50 minutes)

Video Script Outline:

Introduction (5 min)

• "Documentation is your evidence. Without it, you're relying on the adjuster's assessment - and their job is to minimize the payout."
• "This lesson teaches you to document like a professional, so you have leverage in negotiations."

Part 1: Photo Documentation Strategy (15 min)

Wide shots:

• Overall room view
• Multiple angles
• Context (shows extent of damage)

Close-ups:

• Individual damaged items
• Serial numbers and model numbers
• Brand labels and tags
• Damage details

Comparison shots:

• Damaged area next to undamaged area
• Before and after (if you have before photos)

Best practices:

• Enable date stamp on camera
• Take 2-3x more photos than you think you need
• Organize by room
• Back up immediately to cloud storage

Part 2: Video Documentation (10 min)

• When video is better than photos
• Narration script:
  • State your name, date, time, address
  • Explain what happened and when
  • Walk through each damaged area
  • Point out specific damage as you go
• Lighting tips
• Audio tips (speak clearly, minimize background noise)

Part 3: Written Documentation (10 min)

• What to write down:
  • Timeline of events
  • Who was present
  • Weather conditions
  • Actions you took
  • Conversations with insurance/contractors
• Why contemporaneous notes matter
• Template provided

Part 4: Contents Inventory (10 min)

• How to document damaged personal property
• Information to capture for each item:
  • Description
  • Purchase date and location
  • Original cost
  • Current replacement cost
  • Age and condition
• Apps that help: Sortly, Encircle
• Receipts and proof of ownership

Action Steps:

• Practice documentation (take photos of one room in your home)
• Download inventory app
• Start home inventory now (before you need it)
• Back up important documents to cloud

Downloadable Resources:

• Photo Documentation Checklist
• Video Walkthrough Script
• Written Documentation Template
• Contents Inventory Spreadsheet
• Recommended Apps List

Lesson 2.3: Emergency Mitigation - What to Do (and What Not to Do) (40 minutes)

Video Script Outline:

Introduction (5 min)

• "Emergency mitigation can prevent $50,000 in additional damage - or it can cost you $10,000 you didn't need to spend."
• "This lesson teaches you when to call professionals vs when to DIY, and how to avoid getting ripped off."

Part 1: When to Call Professionals (12 min)

YES - Call professionals immediately:

• Category 3 water (sewage)
• More than 2 rooms affected
• Water in ceiling
• Standing water >1 inch deep
• Fire damage with structural concerns
• Roof damage in rain
• Can't safely turn off water source

MAYBE - Professionals helpful but not critical:

• Category 2 water (washing machine overflow)
• One room affected
• Water damage but not actively intruding
• Smoke damage without structural issues

NO - You can handle this:

• Small supply line leak (fixed)
• Localized damage (<100 SF)
• No ongoing water intrusion
• No safety concerns

Part 2: Choosing Emergency Mitigation Company (10 min)

• Insurance preferred vendor list (pros and cons)
• Red flags:
  • Wants full restoration contract before estimate
  • Pressures you to sign assignment of benefits (AOB)
  • Won't provide written scope
  • Shows up uninvited after storm
• Questions to ask before signing
• What should (and shouldn't) be in emergency contract

Part 3: DIY Mitigation (8 min)

• Water extraction techniques
• Airflow and dehumidification
• Moving contents
• When to stop and call professionals
• Safety concerns (electrical, mold, structural)

Part 4: Documenting Mitigation Expenses (5 min)

• What insurance must reimburse
• Saving receipts
• Reasonable vs excessive expenses
• Mitigation expense log template

Action Steps:

• Research 2-3 mitigation companies now (before you need them)
• Check licenses and reviews
• Save contact info
• Buy basic mitigation supplies (wet vac, fans)

Downloadable Resources:

• Mitigation Company Vetting Checklist
• Emergency Mitigation Questions to Ask
• DIY Mitigation Guide
• Mitigation Expense Log
• Red Flag Detection List

Module 3: Working With Adjusters

Lesson 3.1: Understanding the Adjuster's Perspective (30 minutes)

Video Script Outline:

Introduction (3 min)

• "To negotiate effectively, you need to understand who you're negotiating with."
• "Adjusters aren't evil - but they have incentives that don't align with yours."

Part 1: How Adjusters Are Compensated (10 min)

Staff Adjusters:

• Salary + performance bonuses
• Evaluated on claim cycle time and savings
• More experienced, harder to manipulate

Independent Adjusters (IA):

• Paid per claim (flat fee)
• Want to close quickly
• May cut corners to finish faster

Catastrophe Adjusters (CAT):

• Brought in after major storms
• Temporary, high volume
• Less experienced
• Easier to appeal their decisions

Part 2: What Adjusters Look For (10 min)

• Legitimacy of claim (is this really covered?)
• Pre-existing damage (can we blame something else?)
• Scope of damage (how much is really damaged?)
• Mitigation reasonableness (did homeowner make it worse?)
• Fraud indicators (red flags they're trained to spot)

Part 3: How Estimates Are Written (7 min)

• Xactimate software walkthrough
• Line item structure
• Pricing database (unit costs)
• Why adjusters prefer Xactimate (it's conservative)
• How to speak their language

Action Steps:

• Watch sample adjuster video (provided)
• Review example Xactimate estimate
• Identify adjuster type in your claim
• Adjust strategy accordingly

Downloadable Resources:

• Adjuster Types Comparison Chart
• Sample Xactimate Estimate (annotated)
• Xactimate Code Quick Reference
• Adjuster Incentive Breakdown

Lesson 3.2: The Inspection Walkthrough - What to Say and Do (45 minutes)

Video Script Outline:

Introduction (5 min)

• "The adjuster walkthrough is your ONE chance to get everything in the estimate."
• "What you say and do during this 45-60 minute inspection can add $10,000+ to your claim."

Part 1: Before the Adjuster Arrives (10 min)

• Preparation checklist
• Documents to have ready
• Areas to clean vs areas to leave as-is
• Who should be present (spouse, contractor?)
• What to wear (business casual shows you're serious)

Part 2: During the Walkthrough (20 min)

Opening (first 5 minutes):

• Greet professionally
• Offer water/coffee
• Small talk (build rapport)
• Ask about their process

Walkthrough (main 30-40 minutes):

• Let them lead, but point out areas
• Use this script: "I noticed [X] is damaged - are you including that?"
• Ask questions: "Can you explain what you're measuring here?"
• Take your own photos of what they photograph
• Take notes in your notebook
• Don't argue or get emotional

Closing (last 10 minutes):

• Ask about timeline for estimate
• Get contact information
• Ask about next steps
• Ask about supplement process if additional damage discovered

Part 3: What to Say and Not to Say (7 min)

Say this: ✓ "Can you walk me through how this process works?" ✓ "I want to make sure we don't miss anything." ✓ "When will I receive the written estimate?" ✓ "What if we discover additional damage during repairs?"

Don't say this: ❌ "My contractor said this will cost $X" (they'll discount it) ❌ "I think this is worth $X" (you're not the expert) ❌ "This is my third claim" (raises fraud concerns) ❌ "I'm going to sue if you don't pay" (antagonistic) ❌ "How much do you think I'll get?" (they can't/won't say)

Part 4: After They Leave (3 min)

• Write down everything immediately
• Note what they DIDN'T look at
• Follow up with thank-you email
• Start preparing for estimate review

Action Steps:

• Print inspection checklist
• Prepare documentation binder
• Practice your questions
• Set up notebook for note-taking

Downloadable Resources:

• Inspection Walkthrough Checklist (by damage type)
• Questions to Ask Script
• What to Say / Not to Say Cheat Sheet
• Follow-Up Email Template
• Note-Taking Template

[Continue with remaining lessons...]

Templates Included With Course

Documentation Templates

1. Emergency Response Checklist
2. Photo Documentation Guide
3. Video Walkthrough Script
4. Contents Inventory Spreadsheet
5. Mitigation Expense Log

Communication Templates

6. First Call to Insurance Script
7. Adjuster Inspection Checklist
8. Follow-Up Email Templates
9. Supplement Request Letter
10. Dispute Letter Template

Contractor Templates

11. Contractor Vetting Checklist
12. Contract Review Checklist
13. Change Order Template
14. Lien Waiver Template
15. Final Payment Checklist

Estimate Review Templates

16. Line-by-Line Estimate Review Worksheet
17. Missing Items Checklist (Water Damage)
18. Missing Items Checklist (Fire Damage)
19. Missing Items Checklist (Storm Damage)
20. Pricing Comparison Spreadsheet

Quality Verification Templates

21. IICRC Compliance Checklist (Water)
22. IICRC Compliance Checklist (Fire)
23. Building Code Compliance Checklist
24. Final Walkthrough Punch List
25. Work Quality Inspection Form

Advanced Templates

26. Appraisal Demand Letter
27. Bad Faith Claim Documentation
28. Public Adjuster Evaluation Checklist
29. Attorney Evaluation Checklist
30. Claim Timeline Tracker

Pricing & Enrollment

One-Time Payment: $497

• All 6 modules
• All 30+ templates
• Bonus workshops
• Lifetime access
• Certificate of completion

Payment Plan: $67/month × 6 months = $402 total

• Same access as one-time payment
• Spread payments over 6 months
• Cancel anytime (access until paid in full)

Money-Back Guarantee

• Complete the first module
• If you don't find at least $1,000 in missing items using our techniques, get full refund
• 60-day guarantee
• No questions asked

Who Should Take This Course

Perfect for:

• Homeowners who just filed a claim
• Homeowners who want to be prepared before disaster strikes
• Property managers handling multiple properties
• Landlords who deal with insurance claims
• Anyone who wants to save $2,500-5,000 on public adjuster fees

Not right for:

• Commercial property owners (different process)
• Rental property claims (landlord policy works differently)
• Auto insurance claims (completely different)
• Health insurance claims (not covered here)

Frequently Asked Questions

Q: Do I need this if I'm hiring a public adjuster? A: If you're already hiring a public adjuster (10-15% of your claim), then no, you probably don't need this course. But if you want to handle your own claim and save that $2,500-5,000 fee, this course shows you how.

Q: What if my claim is already in progress? A: Perfect! You can jump to the module that matches where you are in the process. Module 4 (Estimate Review) and Module 5 (Contractor Selection) are especially valuable if you've already received the estimate.

Q: Is this specific to Texas/Houston? A: About 80% of the content applies nationwide (insurance principles, documentation, IICRC standards). About 20% is Texas-specific (building codes, contractor licensing). If you're outside Texas, 80% still applies.

Q: How long does it take to complete? A: The course is designed as a 6-week program (one module per week), but you have lifetime access so you can go at your own pace. Many students binge the entire course in one weekend when they're in the middle of a claim.

Q: Do I get updates? A: Yes! All future updates to the course are included free. When building codes change, when insurance practices change, we update the content and you get it automatically.

Q: Can I share this with my spouse/family? A: Yes, one enrollment covers your household. But please don't share login with friends - we're a small business and this is how we feed our families.

Q: Is there a community or Q&A? A: Yes! You get access to our private Facebook group where you can ask questions, share experiences, and get feedback. We also host monthly live Q&A calls for students.

Enrollment Bonus: Live Estimate Review Session

Enroll before [DATE] and get:

One FREE 30-Minute Live Estimate Review Call ($200 value)

• Send us your insurance estimate
• We'll review it line-by-line before the call
• 30-minute video call to walk through missing items
• Personalized recommendations for your specific claim
• This alone could find $5,000-15,000 in missing items

Limited to first 50 enrollments only.

Start Module 1 Today

Click below to enroll and get immediate access:

[ENROLL NOW - $497] [PAYMENT PLAN - $67/mo]

Still have questions? Email us: support@cbrsgroup.com