Claims Truth of the Day

🔹 Truth #1: The Carrier Is Not Your Contractor

🧠 Insight: The insurance company doesn’t build anything — they estimate. And often, they guess low. ✅ Takeaway: You need a contractor-aligned adjuster to truly get made whole. 📆 Date: April 1, 2025

🔹 Truth #2: "Replacement Cost" Doesn’t Mean What You Think

🧠 Insight: RCV means they eventually pay full value — but only after you do the work. ✅ Takeaway: Without follow-through, you only get Actual Cash Value (ACV). That’s depreciation without justice. 📆 Date: April 2, 2025

🔹 Truth #3: Claim Delays Are a Tactic

🧠 Insight: Carriers know homeowners give up. Delaying is strategic. ✅ Takeaway: A Public Adjuster forces movement. Fast. 📆 Date: April 3, 2025

🔹 Truth #4: The Desk Adjuster Never Walked Your Property

🧠 Insight: Most estimates are written from photos — not reality. ✅ Takeaway: If they didn’t walk it, they can’t price it right. 📆 Date: April 4, 2025

🔹 Truth #5: Denial Isn’t the Final Word

🧠 Insight: Carriers deny partial claims hoping you’ll quit. ✅ Takeaway: PrimeFlex reopens claims and wins full coverage daily. 📆 Date: April 5, 2025

🔹 Truth #6: Insurance Adjusters Represent the Carrier — Not You

🧠 Insight: Their loyalty isn’t to the policyholder — it’s to profit control. ✅ Takeaway: That’s why you hire a licensed public adjuster. Like PrimeFlex. 📆 Date: April 6, 2025

🔹 Truth #7: Real Estimates Include Overhead and Profit

🧠 Insight: Xactimate unit prices don’t include O&P. It must be added. ✅ Takeaway: Every full-trade job deserves 10% + 10%. PrimeFlex fights for it. 📆 Date: April 7, 2025

🔹 Truth #8: They Don’t Owe for What You Can’t Show

🧠 Insight: No photos? No measurements? No payout. ✅ Takeaway: Document everything, or lose everything. 📆 Date: April 8, 2025

🔹 Truth #9: Repair Is Their Favorite Excuse

🧠 Insight: They’ll default to patchwork. It’s cheaper. ✅ Takeaway: Full replacement is often code-mandated. PrimeFlex proves it. 📆 Date: April 9, 2025

🔹 Truth #10: Coverage Doesn't Mean Full Payment

🧠 Insight: Just because your claim was "approved" doesn’t mean you got what it’s worth. ✅ Takeaway: PrimeFlex digs deeper — and gets it adjusted properly. 📆 Date: April 10, 2025

🔹 Truth #11: Most Policies Are Written in the Carrier’s Favor

🧠 Insight: Fine print favors their profits. Not your payout. ✅ Takeaway: A public adjuster reads between the lines and flips the leverage. 📆 Date: April 11, 2025

🔹 Truth #12: You’re Allowed to Disagree With the Carrier’s Scope

🧠 Insight: Their estimate isn’t gospel. It’s a lowball opener. ✅ Takeaway: Supplementing is your right — and your best chance at full recovery. 📆 Date: April 12, 2025

🔹 Truth #13: Depreciation Can Be Recovered — But Only If You Know How

🧠 Insight: Recoverable depreciation is a hidden second check. ✅ Takeaway: Most homeowners leave it unclaimed. PrimeFlex makes sure it’s paid. 📆 Date: April 13, 2025

🔹 Truth #14: Adjusters Often Miss What They Can’t See

🧠 Insight: Attic damage. Roof deck rot. Water under flooring. All missed in fast inspections. ✅ Takeaway: That’s why PrimeFlex reinspects everything — top to bottom. 📆 Date: April 14, 2025

🔹 Truth #15: A Claim Isn’t a Handout — It’s a Contract

🧠 Insight: You're owed what’s covered. Not what’s convenient for them. ✅ Takeaway: PrimeFlex enforces the policy as written. 📆 Date: April 15, 2025

🔹 Truth #16: Code Upgrades Are Often Covered

🧠 Insight: Most HO policies include Ordinance & Law coverage. ✅ Takeaway: PrimeFlex gets your home rebuilt to modern code — not 1990 standards. 📆 Date: April 16, 2025

🔹 Truth #17: Being “Nice” Gets You Underpaid

🧠 Insight: Respect the process, but don’t play passive. ✅ Takeaway: PrimeFlex pushes back — and it pays. 📆 Date: April 17, 2025

🔹 Truth #18: Carriers Count on Confusion

🧠 Insight: Long policy docs. Conflicting info. Scattered communication. ✅ Takeaway: PrimeFlex brings clarity, documentation, and results. 📆 Date: April 18, 2025

🔹 Truth #19: Most People Wait Too Long to Get Help

🧠 Insight: The earlier you get a public adjuster involved, the better the outcome. ✅ Takeaway: Don’t wait for the denial. PrimeFlex should be your first call. 📆 Date: April 19, 2025

🔹 Truth #20: Damage Can Be Hidden for Weeks

🧠 Insight: Water. Mold. Roof leaks. Subfloor collapse. It gets worse with time. ✅ Takeaway: PrimeFlex identifies full damage early — before it’s used against you. 📆 Date: April 20, 2025

🔹 Truth #21: Claim Settlements Are Negotiated, Not Assigned

🧠 Insight: The carrier’s offer isn’t the final answer — it’s a starting point. ✅ Takeaway: PrimeFlex negotiates line-by-line to increase payout. 📆 Date: April 21, 2025

🔹 Truth #22: Most Policies Include ALE (Additional Living Expenses)

🧠 Insight: If your home is unlivable, you may be owed hotel, meals, and mileage. ✅ Takeaway: PrimeFlex ensures every line of your policy is activated. 📆 Date: April 22, 2025

🔹 Truth #23: Documentation > Emotion

🧠 Insight: The system isn’t built for sympathy — it’s built for proof. ✅ Takeaway: PrimeFlex builds a bulletproof file. 📆 Date: April 23, 2025

🔹 Truth #24: Most Denials Are Reversible

🧠 Insight: Initial no doesn’t mean final no. ✅ Takeaway: PrimeFlex reopens denied claims — and flips them. 📆 Date: April 24, 2025

🔹 Truth #25: Adjusters Are Evaluated on How Much They Don’t Pay

🧠 Insight: The game isn’t always fair — that’s why you play it smart. ✅ Takeaway: PrimeFlex balances the field with professional representation. 📆 Date: April 25, 2025

🔹 Truth #26: Photos Without Measurements Are Just Evidence — Not Proof

🧠 Insight: A photo of a roof crack doesn’t tell them how big or costly it is. ✅ Takeaway: PrimeFlex uses scope-level inspection reports. 📆 Date: April 26, 2025

🔹 Truth #27: The First Estimate is Always the Cheapest

🧠 Insight: It’s built that way. It’s called claim control. ✅ Takeaway: PrimeFlex audits and supplements every time. 📆 Date: April 27, 2025

🔹 Truth #28: Most Homeowners Don't Know Their Rights

🧠 Insight: You don’t need to accept every payout. Or every denial. ✅ Takeaway: PrimeFlex helps you enforce the full scope of your policy. 📆 Date: April 28, 2025

🔹 Truth #29: Partial Payment ≠ Full Settlement

🧠 Insight: Many checks are “undisputed amounts” — not final offers. ✅ Takeaway: PrimeFlex tracks down every missing line item. 📆 Date: April 29, 2025

🔹 Truth #30: What You Don’t Know Can Cost You Everything

🧠 Insight: Underpaid. Denied. Ignored. That’s what happens without advocacy. ✅ Takeaway: PrimeFlex fights for your full claim — not a quick close. 📆 Date: April 30, 2025

🔹 Truth #31: Public Adjusters Are Legal, Licensed, and Necessary

🧠 Insight: We’re not storm chasers. We’re regulated and trained to protect policyholders. ✅ Takeaway: PrimeFlex brings professional representation to level the field. 📆 Date: May 1, 2025

🔹 Truth #32: Damage Can Be Progressive

🧠 Insight: Moisture, settling, and stress cracks worsen quietly over time. ✅ Takeaway: PrimeFlex scopes all secondary and delayed damage. 📆 Date: May 2, 2025

🔹 Truth #33: You Don’t Need to Wait for Denial to Call Us

🧠 Insight: The best outcomes happen when we’re involved from day one. ✅ Takeaway: PrimeFlex can guide the process before mistakes happen. 📆 Date: May 3, 2025

🔹 Truth #34: Your Contractor Shouldn’t Handle the Claim

🧠 Insight: It’s illegal in most states for contractors to negotiate insurance claims. ✅ Takeaway: Leave the estimate to them — the claim to us. 📆 Date: May 4, 2025

🔹 Truth #35: Not All Storm Damage is Visible

🧠 Insight: Granule loss, micro-fractures, and substrate issues don’t show up right away. ✅ Takeaway: PrimeFlex uses professional inspections to uncover the hidden hits. 📆 Date: May 5, 2025

🔹 Truth #36: A “Final Payment” Isn’t Always Final

🧠 Insight: Many checks are issued with room for future supplementing. ✅ Takeaway: PrimeFlex knows how to keep the door open for more. 📆 Date: May 6, 2025

🔹 Truth #37: Communication Gaps Cost You

🧠 Insight: Missed emails. No follow-up. Confusion leads to underpayment. ✅ Takeaway: PrimeFlex maintains full documentation and clear timelines. 📆 Date: May 7, 2025

🔹 Truth #38: Coverage Doesn’t Equal Care

🧠 Insight: You can be “covered” and still underpaid or ignored. ✅ Takeaway: PrimeFlex ensures the process works in your favor. 📆 Date: May 8, 2025

🔹 Truth #39: The First Inspection is Usually Rushed

🧠 Insight: Speed = missed damage. Carrier adjusters are quota-driven. ✅ Takeaway: PrimeFlex slows it down and scopes it right. 📆 Date: May 9, 2025

🔹 Truth #40: Roofs Are Priced by Slope, Layers, and Waste

🧠 Insight: Missing these factors = underpaid scope. ✅ Takeaway: PrimeFlex ensures the full roof replacement value is paid. 📆 Date: May 10, 2025

🔹 Truth #41: The Longer You Wait, the Harder the Fight

🧠 Insight: Carriers document delay as disinterest. ✅ Takeaway: PrimeFlex builds urgency and pressure — early. 📆 Date: May 11, 2025

🔹 Truth #42: Everything Must Be Itemized

🧠 Insight: Line-by-line breakdowns = stronger settlements. ✅ Takeaway: PrimeFlex uses professional estimate formatting to prevent shortcutting. 📆 Date: May 12, 2025

🔹 Truth #43: Gutters, Flashing & Ventilation Are Usually Missed

🧠 Insight: These items are often “bundled” or excluded. ✅ Takeaway: PrimeFlex scopes every component with accuracy. 📆 Date: May 13, 2025

🔹 Truth #44: Your Home’s Value Impacts Payout

🧠 Insight: Coverage limits and deductibles are tied to valuation. ✅ Takeaway: PrimeFlex helps you optimize your policy going forward. 📆 Date: May 14, 2025

🔹 Truth #45: City Permits Are Reimbursable

🧠 Insight: Permit fees are part of the claim — when documented. ✅ Takeaway: PrimeFlex includes all city/county costs in scope. 📆 Date: May 15, 2025

🔹 Truth #46: Code-Required Items Must Be Paid

🧠 Insight: Carriers can’t deny what’s required by law. ✅ Takeaway: PrimeFlex secures full payment for all mandated upgrades. 📆 Date: May 16, 2025

🔹 Truth #47: Deductibles Are Not Discounts

🧠 Insight: You still deserve full value — the deductible is your share. ✅ Takeaway: PrimeFlex fights for 100% of the valid loss. 📆 Date: May 17, 2025

🔹 Truth #48: Supplements Are Standard — Not Suspicious

🧠 Insight: They’re part of the process, not a red flag. ✅ Takeaway: PrimeFlex manages supplements professionally and lawfully. 📆 Date: May 18, 2025

🔹 Truth #49: HVAC, Appliances & Wiring Can Be Covered

🧠 Insight: Hail, water, and smoke impact systems you can’t see. ✅ Takeaway: PrimeFlex checks all mechanicals for claim inclusion. 📆 Date: May 19, 2025

🔹 Truth #50: The Best Claims Have a Clear Story

🧠 Insight: Disorganized claims get delayed or denied. ✅ Takeaway: PrimeFlex creates clear, compelling claim files. 📆 Date: May 20, 2025

🔹 Truth #51: Adjusters Use Language Strategically

🧠 Insight: Words like “cosmetic,” “maintenance,” or “minimal” are designed to lower payouts. ✅ Takeaway: PrimeFlex challenges inaccurate labeling line-by-line. 📆 Date: May 21, 2025

🔹 Truth #52: Unchecked Moisture = Long-Term Damage

🧠 Insight: Water under surfaces leads to mold, warping, and loss of use. ✅ Takeaway: PrimeFlex investigates beyond the surface to protect your future. 📆 Date: May 22, 2025

🔹 Truth #53: You’re Entitled to Like-for-Like Materials

🧠 Insight: Cheaper substitutes aren’t “equal” just because they’re new. ✅ Takeaway: PrimeFlex enforces replacement with quality and code compliance. 📆 Date: May 23, 2025

🔹 Truth #54: Full Roof Replacements Require Ventilation Matching

🧠 Insight: Ridge vents, intake, and exhaust must meet today’s code. ✅ Takeaway: PrimeFlex ensures your roof meets airflow standards — or it’s not paid in full. 📆 Date: May 24, 2025

🔹 Truth #55: Scope Creep is a Real Risk Without Oversight

🧠 Insight: If you don’t define the damage, the carrier will. ✅ Takeaway: PrimeFlex scopes every inch from day one. 📆 Date: May 25, 2025

🔹 Truth #56: Underpayment is More Common Than Denial

🧠 Insight: Most carriers offer “just enough” to look fair. ✅ Takeaway: PrimeFlex reads between the lines — and adds what’s missing. 📆 Date: May 26, 2025

🔹 Truth #57: Missing Trades = Missing Money

🧠 Insight: A roof-only scope may skip gutters, interior, or HVAC damage. ✅ Takeaway: PrimeFlex ensures all related trades are included. 📆 Date: May 27, 2025

🔹 Truth #58: Fire and Water Claims Require Documentation Layers

🧠 Insight: Photos, mitigation logs, and material lists all matter. ✅ Takeaway: PrimeFlex builds a bulletproof claim packet. 📆 Date: May 28, 2025

🔹 Truth #59: Even Denied Claims Can Be Reopened

🧠 Insight: New evidence or expert reports can reset the conversation. ✅ Takeaway: PrimeFlex regularly reopens and reverses bad outcomes. 📆 Date: May 29, 2025

🔹 Truth #60: Your Deductible Doesn’t Lower the Value of Damage

🧠 Insight: $12K in damage is still $12K, even with a $2K deductible. ✅ Takeaway: PrimeFlex keeps the claim value honest. 📆 Date: May 30, 2025

🔹 Truth #61: Final Inspections Can Be Negotiation Points

🧠 Insight: Carriers often try to close before everything is done. ✅ Takeaway: PrimeFlex documents job completion thoroughly. 📆 Date: May 31, 2025

🔹 Truth #62: Overhead & Profit Isn’t a Bonus — It’s a Build Requirement

🧠 Insight: Complex jobs need coordination. That’s what O&P covers. ✅ Takeaway: PrimeFlex demands proper contractor compensation. 📆 Date: June 1, 2025

🔹 Truth #63: A Clean File = A Fast Payout

🧠 Insight: Clear scope, labeled photos, and proper timing push claims through. ✅ Takeaway: PrimeFlex makes carriers want to settle fast. 📆 Date: June 2, 2025

🔹 Truth #64: Timelines Matter

🧠 Insight: Missed filing deadlines can void major rights. ✅ Takeaway: PrimeFlex keeps your claim within every legal and carrier time frame. 📆 Date: June 3, 2025

🔹 Truth #65: You’re Allowed to Dispute the Carrier’s Estimate

🧠 Insight: Xactimate is editable. And supplementable. ✅ Takeaway: PrimeFlex does both — and wins more. 📆 Date: June 4, 2025

🔹 Truth #66: PrimeFlex Is Here to Make You Whole

🧠 Insight: That’s our mission. That’s our daily goal. ✅ Takeaway: Let us prove it. 📆 Date: June 5, 2025

🔹 Truth #67: Truth Has No Deductible

🧠 Insight: Insurance companies count on confusion. Truth cuts through delay and denial.

✅ Takeaway: Know your rights. Don’t settle for less than full indemnity.                                            📆 Date: June 6, 2025 

🔹 Truth #68: Roof Damage Isn’t Cosmetic—It’s Structural

🧠 Insight: Shingle damage breaks the seal. That means leaks, rot, and mold.

✅ Takeaway: Don’t ignore “minor” roof damage. Demand full replacement when justified.                       📆 Date: June 7, 2025 

🔹 Truth #69: Adjusters Work for the Carrier—We Work for You

🧠 Insight: The field adjuster is paid by the company, not the customer.

✅ Takeaway: Hire a Public Adjuster to fight for your side.                              📆 Date: June 8, 2025 

🔹 Truth #70: Missing Shingles = Functional Damage

🧠 Insight: Even one missing shingle exposes your home to water intrusion.

✅ Takeaway: A full roof can be owed, even if just a few tabs are gone.                        📆 Date: June 9, 2025 

🔹 Truth #71: Depreciation Is Not a Denial

🧠 Insight: Recoverable depreciation means you're still owed the difference.

✅ Takeaway: File the paperwork and get your full payout.                        📆 Date: June 10, 2025 

🔹 Truth #72: They Use Xactimate—We Use Evidence

🧠 Insight: Pricing software is a starting point, not a settlement tool.

✅ Takeaway: Real-world repair costs must be honored.                            📆 Date: June 11, 2025 

🔹 Truth #73: Policyholders Have Power

🧠 Insight: Your voice, your contractor, your advocate—you choose.

✅ Takeaway: Don’t let the carrier control the claim.                                    📆 Date: June 12, 2025 

🔹 Truth #74: One Photo Can Change Everything

🧠 Insight: Visual proof of damage or missing items strengthens your claim.

✅ Takeaway: Document everything. The lens doesn’t lie.                                  📆 Date: June 13, 2025 

🔹 Truth #75: Code Requires More Than Coverage

🧠 Insight: Local codes demand replacement methods the policy must pay for.

✅ Takeaway: Match your repairs to legal requirements—not insurer shortcuts.                                    📆 Date: June 14, 2025 

🔹 Truth #76: Adjusters May Miss It—We Don’t
🧠 Insight: Field scopes are often rushed, vague, or incomplete.
✅ Takeaway: A second opinion can mean tens of thousands more.                                                      📆 Date: June 15, 2025

🔹 Truth #77: Insurance Is a Contract—Not a Gift

🧠 Insight: In Cincinnati, your homeowner’s policy is a binding contract—not a handout.

✅ Takeaway: Hamilton County residents: don’t beg for coverage. Enforce your rights.                        📆 Date: June 16, 2025 

🔹 Truth #78: Partial Repairs Rarely Satisfy Code

🧠 Insight: Cities like Norwood and Springdale follow strict code—patchwork won’t pass.

✅ Takeaway: Code upgrade coverage is required. Use it.                                                            📆 Date: June 17, 2025 

🔹 Truth #79: Indemnity Means Full Restoration

🧠 Insight: Homeowners in Colerain and Forest Park are owed full restoration, not patch jobs.

✅ Takeaway: “Make whole” isn’t a slogan—it’s a legal standard.                                                  📆 Date: June 18, 2025 

🔹 Truth #80: O&P Is Not Optional in Complex Jobs

🧠 Insight: West Chester and Fairfield projects often require multiple trades.

✅ Takeaway: Overhead & Profit is due—especially when complexity increases.                          📆 Date: June 19, 2025 

🔹 Truth #81: Claim Denial Is a Strategy—Not a Verdict

🧠 Insight: We see it all the time in Loveland, Reading, and Middletown.

✅ Takeaway: Don’t walk away. Fight back with PrimeFlex.                                                            📆 Date: June 20, 2025 

🔹 Truth #82: Good Documentation Wins Claims

🧠 Insight: In areas like Mt. Healthy and Sharonville, clear records = fast wins.

✅ Takeaway: Every photo, permit, and invoice matters.                                                          📆 Date: June 21, 2025 

🔹 Truth #83: Depreciation Can Be Recovered

🧠 Insight: Recoverable depreciation is still owed to you—especially across Hamilton County.

✅ Takeaway: We help Cincinnati homeowners reclaim every dollar.                                       📆 Date: June 22, 2025 

🔹 Truth #84: The Scope Tells the Story

🧠 Insight: Scope sheets from insurance companies in Norwood often leave out key damage.

✅ Takeaway: Our team revises, supplements, and documents the truth.                               📆 Date: June 23, 2025 

🔹 Truth #85: We’re Not Just Advocates—We’re Experts

🧠 Insight: With offices in Cincinnati, we specialize in roof, water, and storm claims.

✅ Takeaway: PrimeFlex Adjusters know what it takes to get claims paid in full.                    📆 Date: June 24, 2025 

🔹 Truth #86: Time Kills Claims

🧠 Insight: Waiting too long to file in places like Norwood or Cheviot leads to denial.

✅ Takeaway: Don’t wait. We file fast, document thoroughly, and push for payout.               📆 Date: June 25, 2025 

🔹 Truth #87: One Missing Shingle Can Expose Your Home

🧠 Insight: In West Chester and Mason, “minor” roof damage often hides major leaks.

✅ Takeaway: Don’t let insurance minimize. Demand full roof evaluation.

📆 Date: June 26, 2025 

🔹 Truth #88: Insurance Companies Love Delay

🧠 Insight: We’ve seen it in Blue Ash, Madeira, and Loveland—they stall to save money.

✅ Takeaway: Don’t wait. PrimeFlex pushes timelines forward.

📆 Date: June 27, 2025 

🔹 Truth #89: Your Policy Covers More Than You Think

🧠 Insight: Sharonville and Norwood homeowners often miss hidden endorsements.

✅ Takeaway: We read policies line by line to unlock full coverage.

📆 Date: June 28, 2025 

🔹 Truth #90: Carriers Count on Confusion

🧠 Insight: In Fairfield and Hamilton, adjusters often overwhelm policyholders with jargon.

✅ Takeaway: Clarity is power. We cut through the noise.

📆 Date: June 29, 2025 

🔹 Truth #91: Water Damage Travels Faster Than You Think

🧠 Insight: In Colerain Township basements, hidden water can spread within hours.

✅ Takeaway: Immediate claims action prevents denial and mold growth.

📆 Date: June 30, 2025 

🔹 Truth #92: Supplementing Is Part of the Process

🧠 Insight: Forest Park and Mt. Healthy contractors know initial scopes are never final.

✅ Takeaway: Supplements aren’t “extra”—they’re owed.

📆 Date: July 1, 2025 

🔹 Truth #93: Overhead & Profit Protects Homeowners

🧠 Insight: In Norwood and Reading, multi-trade jobs demand O&P by law and code.

✅ Takeaway: Don’t let carriers strip away what’s standard.

📆 Date: July 2, 2025 

🔹 Truth #94: A Public Adjuster Levels the Field

🧠 Insight: In Hamilton County, the carrier’s team outnumbers you—unless you hire one of us.

✅ Takeaway: We balance the scales.

📆 Date: July 3, 2025 

🔹 Truth #95: Independence Is Everything

🧠 Insight: Unlike company adjusters, PrimeFlex works only for Cincinnati homeowners.

✅ Takeaway: No split loyalty. 100% policyholder focused.

📆 Date: July 4, 2025 

🔹 Truth #96: Code Enforcement Works for You

🧠 Insight: Norwood and Mason inspectors don’t compromise on safety.

✅ Takeaway: When the city requires it, the policy must pay it.

📆 Date: July 5, 2025 

🔹 Truth #97: Storm Damage Is Widespread—Not Isolated

🧠 Insight: From Butler County to Clermont County, wind and hail don’t stop at city lines.

✅ Takeaway: If your neighbor’s roof is damaged, yours might be too.

📆 Date: July 6, 2025 

🔹 Truth #98: Denial Letters Are Negotiation Tactics

🧠 Insight: We’ve overturned denials in Mason, Dayton, and Fairfield by proving real damage.

✅ Takeaway: A “no” isn’t final—it’s a starting point.

📆 Date: July 7, 2025 

🔹 Truth #99: Hail Damage Shortens Roof Lifespan

🧠 Insight: In West Chester and Lebanon, hail bruises shingles, leading to early failure.

✅ Takeaway: Don’t wait until leaks appear—file now.

📆 Date: July 8, 2025 

🔹 Truth #100: Carriers Rely on Homeowner Silence

🧠 Insight: In Hamilton County and Warren County, claims die when homeowners don’t follow up.

✅ Takeaway: Speak up—or let us speak for you.

📆 Date: July 9, 2025 

🔹 Truth #101: Overhead & Profit Isn’t “Extra”

🧠 Insight: Complex rebuilds in Middletown, Norwood, and Dayton demand O&P.

✅ Takeaway: It’s a construction reality, not a bonus.

📆 Date: July 10, 2025 

🔹 Truth #102: Gutters & Siding Count Too

🧠 Insight: In Clermont County and Colerain, hail damage isn’t just on roofs.

✅ Takeaway: Claim everything damaged—not just the obvious.

📆 Date: July 11, 2025 

🔹 Truth #103: Carriers Know Most People Give Up

🧠 Insight: In West Chester and Fairfield, thousands walk away from owed money.

✅ Takeaway: PrimeFlex won’t stop until you’re whole.

📆 Date: July 12, 2025 

🔹 Truth #104: Interior Damage Proves Roof Failure

🧠 Insight: Dayton and Mason families see stains before insurers admit leaks.

✅ Takeaway: Document inside to prove outside damage.

📆 Date: July 13, 2025 

🔹 Truth #105: Carrier Estimates Are Minimalist by Design

🧠 Insight: In Hamilton and Warren County, scopes often leave out labor and code.

✅ Takeaway: Our revisions double or triple accuracy.

📆 Date: July 14, 2025 

🔹 Truth #106: Every City Has Its Own Code

🧠 Insight: Mason, Norwood, and Fairfield inspectors require full tear-off and compliance.

✅ Takeaway: Codes work in your favor—don’t ignore them.

📆 Date: July 15, 2025 

🔹 Truth #107: Old Roofs Can Still Be Covered

🧠 Insight: In Middletown and Dayton, carriers try to write off 20-year roofs as worthless.

✅ Takeaway: Age doesn’t erase coverage.

📆 Date: July 16, 2025 

🔹 Truth #108: Tornado Tracks Leave Hidden Damage

🧠 Insight: Butler and Clermont counties see unseen shingle lift after storms.

✅ Takeaway: Even if you don’t see it, inspection matters.

📆 Date: July 17, 2025 

🔹 Truth #109: Interior Moisture Means Roof Failure

🧠 Insight: Homeowners in West Chester and Hamilton often discover ceiling bubbles months later.

✅ Takeaway: Don’t wait—early claims protect recovery.

📆 Date: July 18, 2025 

🔹 Truth #110: Adjusters Work for Carriers, Not You

🧠 Insight: In Dayton and Norwood, staff adjusters protect the company bottom line.

✅ Takeaway: That’s why you hire a Public Adjuster.

📆 Date: July 19, 2025 

🔹 Truth #111: Claim Value Is in the Details

🧠 Insight: From gutter guards in Fairfield to flashing in Lebanon, small details add up.

✅ Takeaway: Precision wins bigger settlements.

📆 Date: July 20, 2025 

🔹 Truth #112: Emergency Tarps Are Covered

🧠 Insight: In Hamilton County, storm victims can claim temporary repairs.

✅ Takeaway: Save receipts—mitigation costs are reimbursable.

📆 Date: July 21, 2025 

🔹 Truth #113: Siding Mismatch Warrants Full Replacement

🧠 Insight: Clermont County residents face discontinued siding every year.

✅ Takeaway: Carriers must pay when repairs won’t match.

📆 Date: July 22, 2025 

🔹 Truth #114: Wind Damage Can Be Subtle

🧠 Insight: In Mason and Dayton, lifted shingles look intact until storms hit again.

✅ Takeaway: Professional inspection proves loss.

📆 Date: July 23, 2025 

🔹 Truth #115: Claim Supplements Are Standard

🧠 Insight: Butler County contractors supplement 80% of jobs.

✅ Takeaway: Don’t accept the first scope—it’s never final.

📆 Date: July 24, 2025 

🔹 Truth #116: Policyholders Have the Right to Choose Contractors
🧠 Insight: In Norwood and Hamilton, carriers push “preferred vendors.”
✅ Takeaway: Ohio law lets YOU decide who rebuilds your home.
📆 Date: July 25, 2025

🔹 Truth #117: Debris Removal Is Often Underpaid

🧠 Insight: From Warren County to Dayton, dumpster and haul costs get ignored.

✅ Takeaway: We add what they skip.

📆 Date: July 26, 2025 

🔹 Truth #118: Roof Pitch Increases Cost

🧠 Insight: Steep slopes in Mason, Loveland, and Norwood need extra staging.

✅ Takeaway: Safety and labor add dollars the carrier must cover.

📆 Date: July 27, 2025 

🔹 Truth #119: Water Mitigation Is Time-Sensitive

🧠 Insight: In Clermont County basements, mold sets in within 48 hours.

✅ Takeaway: File immediately and mitigate quickly.

📆 Date: July 28, 2025 

🔹 Truth #120: Large Losses Require Experience

🧠 Insight: Dayton apartment and church claims overwhelm basic adjusters.

✅ Takeaway: PrimeFlex specializes in complex, multi-million-dollar claims.

📆 Date: July 29, 2025 

🔹 Truth #121: General Contractor Fees Are Legitimate

🧠 Insight: In Hamilton and Butler County, multi-trade rebuilds need coordination.

✅ Takeaway: O&P is standard, not optional.

📆 Date: July 30, 2025 

🔹 Truth #122: Carriers Count on Policyholder Fatigue

🧠 Insight: In West Chester and Norwood, delays push people to settle low.

✅ Takeaway: We don’t let them wear you down.

📆 Date: July 31, 2025 

🔹 Truth #123: Storm Claims Spike Premiums Less Than You Think

🧠 Insight: In Hamilton County, carriers spread risk across thousands.

✅ Takeaway: Don’t skip filing over fear of premiums.

📆 Date: August 1, 2025 

🔹 Truth #124: Ordinance & Law Coverage Is Crucial

🧠 Insight: Mason and Fairfield jobs often require upgraded electrical and ventilation.

✅ Takeaway: This coverage pays for mandatory improvements.

📆 Date: August 2, 2025 

🔹 Truth #125: Hail Damage Is Visible With Proper Tools

🧠 Insight: In Middletown and Dayton, thermal and chalk tests prove what eyes can’t.

✅ Takeaway: Inspections reveal what carriers deny.

📆 Date: August 3, 2025 

🔹 Truth #126: Flat Roofs Require Special Attention

🧠 Insight: Norwood and downtown Cincinnati flat roofs fail faster after storms.

✅ Takeaway: Adjusters often miss it—we don’t.

📆 Date: August 4, 2025 

🔹 Truth #127: Interior Matching Matters

🧠 Insight: In Mason and Hamilton, partial drywall patches look obvious.

✅ Takeaway: Carriers must pay for uniformity, not patchwork.

📆 Date: August 5, 2025 

🔹 Truth #128: Temporary Housing Is Covered

🧠 Insight: Dayton and Clermont County families displaced by water loss are owed rent.

✅ Takeaway: Loss of Use coverage protects your living standards.

📆 Date: August 6, 2025 

🔹 Truth #129: Roofing Materials Are Constantly Discontinued

🧠 Insight: West Chester and Fairfield shingle lines vanish every year.

✅ Takeaway: If repairs can’t match, full replacement is owed.

📆 Date: August 7, 2025 

🔹 Truth #130: Carriers Don’t Educate—We Do

🧠 Insight: In Hamilton County, most homeowners never read their full policy.

✅ Takeaway: Knowledge is power. We share it daily.

📆 Date: August 8, 2025 

🔹 Truth #131: Insurance Is a Business—Act Accordingly

🧠 Insight: Middletown and Dayton carriers operate for profit, not compassion.

✅ Takeaway: Treat claims as negotiations, not favors.

📆 Date: August 9, 2025 

🔹 Truth #132: Gutters Protect Foundations

🧠 Insight: In Mason and Sharonville, denied gutter claims lead to cracked basements.

✅ Takeaway: Insist on coverage for full drainage.

📆 Date: August 10, 2025 

🔹 Truth #133: Carrier Estimates Rarely Include Labor Minimums

🧠 Insight: In Norwood and Hamilton, small jobs still require setup time.

✅ Takeaway: Labor minimums are enforceable.

📆 Date: August 11, 2025 

🔹 Truth #134: Ohio Weather Is Unforgiving

🧠 Insight: Tornado alley impacts Butler and Warren counties every spring.

✅ Takeaway: Local claims are about climate, not chance.

📆 Date: August 12, 2025 

🔹 Truth #135: Photos Don’t Expire—Claims Do

🧠 Insight: In Fairfield and Mason, carriers deny late claims regardless of proof.

✅ Takeaway: Act fast before time limits cut you off.

📆 Date: August 13, 2025 

🔹 Truth #136: Hail Damage Weakens More Than Shingles

🧠 Insight: Dayton and Hamilton gutters, vents, and skylights fail post-storm.

✅ Takeaway: Claims must include all affected systems.

📆 Date: August 14, 2025 

🔹 Truth #137: Storm Chasers Don’t Work for You

🧠 Insight: In Butler County, out-of-state roofers vanish after cashing checks.

✅ Takeaway: Hire local experts with accountability.

📆 Date: August 15, 2025 

🔹 Truth #138: Depreciation Games Shortchange Families

🧠 Insight: In Norwood and Fairfield, carriers slash payouts with false aging.

✅ Takeaway: PrimeFlex recalculates real depreciation.

📆 Date: August 16, 2025 

🔹 Truth #139: Carrier Loyalty Doesn’t Pay

🧠 Insight: Dayton and Mason homeowners find 20-year loyalty ignored at claim time.

✅ Takeaway: Contracts matter—not relationships.

📆 Date: August 17, 2025 

🔹 Truth #140: Supplements Secure Justice

🧠 Insight: In Hamilton County, nearly every fair claim ends with a supplement.

✅ Takeaway: If it’s missed, we add it—and win it.

📆 Date: August 18, 2025 

🔹 Truth #141: PrimeFlex Makes You Whole

🧠 Insight: From Cincinnati to Dayton, our mission is restoring families fully.

✅ Takeaway: Coverage isn’t charity—it’s your right.

📆 Date: August 19, 2025 

🔹 Truth #142: Your Policy Is Only as Strong as Its Interpretation
🧠 Insight: Insurance companies in Cincinnati, Hamilton County, and Northern Kentucky often misinterpret or under-value claims. The truth is in the details, and that’s where we win.
✅ Takeaway: Don’t settle for their “version” of the policy—get the full value you’re owed.
📆 Date: August 20, 2025

🔹 Truth #143: Depreciation Tricks Don’t Define Reality

🧠 Insight: Many carriers across Butler County, Clermont County, and Dayton try to slash roof claims with aggressive depreciation. But roofs in Ohio and Kentucky face storms that shorten life spans—and we prove it with evidence.

✅ Takeaway: Don’t let carriers depreciate your home into worthlessness.

📆 Date: August 21, 2025 

🔹 Truth #144: Full Replacement Is Often the Only Real Fix

🧠 Insight: In areas like Norwood, Mason, and Florence, storm-damaged roofs can’t just be “patched.” Building codes, pitch, and material matching require full-slope replacement to restore true pre-loss condition.

✅ Takeaway: Patches don’t protect you—full replacement does. Let PrimeFlex fight for what’s required.

📆 Date: August 22, 2025