Not the Insurance Company
Our guidance is independent and focused on helping you understand the information in front of you.
Independent Insurance Claim Guidance
You Do Not Have to Navigate Your Insurance Claim Alone.
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We help policyholders understand insurance estimates, claim documents, and important next-step questions—without taking over the claim.
Based in Boynton Beach, Florida · Serving Florida, Pennsylvania, Texas, and clients nationwide through phone consultations.
Independent Insurance Claim Consulting • No Contingency Fees • Professional Guidance Nationwide
🛡IndependentGuidance
⌕Estimate &Document Review
▣PhoneConsultations
🔒Secure OnlineBooking & Payment
⚖InformedDecision Support
SUPPORT WITHOUT SURRENDERING CONTROL
We Do Not Take Over Your Claim. We Help You Understand It.
Many policyholders are not looking for full representation. They want an experienced, independent person to explain what they are seeing and help them prepare for the decisions ahead.
Understand your insurance estimate
Review important claim documents
Identify questions worth asking
Organize practical next steps
Compare conflicting information
Gain confidence before deciding
WHY WE ARE DIFFERENT
A Distinct Kind of Claim Support
We complement the professionals involved in a claim rather than replacing them.
Not a Contractor
We do not perform repairs. We help you understand estimates, documentation, and claim-related questions.
Not an Attorney
We do not provide legal advice or representation. We help organize issues so you can decide whether legal guidance is needed.
Not a Public Adjuster
We do not take over, negotiate, or represent your claim. We provide flat-fee educational consulting and review.
THE LIGHTHOUSE APPROACH
A Clear Process for Moving Forward
A structured approach designed to reduce confusion and help you make informed decisions.
1ListenUnderstand your concerns and current claim status.
2ReviewExamine the documents and information you provide.
3ExplainClarify unfamiliar terms, estimates, and issues.
4OrganizeIdentify questions, documents, and priorities.
5SupportHelp you approach your next decision with confidence.
CHOOSE YOUR LEVEL OF SUPPORT
Focused Help for Your Specific Claim
Flat-fee services with no percentage of your settlement and no commitment to turn over your claim.
Claim Confidence Consultation
$195
- Focused 30-minute phone discussion
- Clarification of key concerns
- Suggested questions and next steps
Professional Claim File Review
$295
- Review of selected claim documents
- Written observations and areas to clarify
- Follow-up discussion
Comprehensive Document Review
$350
- Review of multiple documents
- Organization of important issues
- Detailed consultation and roadmap
WHEN TO CONTACT US
Consider Independent Support When…
You do not need to wait until a claim becomes a dispute to ask for guidance.
Your estimate is confusing
You want help understanding line items, terminology, scope, or depreciation.
Two estimates do not match
Your contractor and insurer describe the work differently and you need clarity.
You are unsure what to ask
You want to prepare thoughtful questions before your next conversation.
Documents are piling up
You need help organizing letters, reports, photographs, estimates, and timelines.
You are considering representation
You want an independent educational review before deciding what kind of help is appropriate.
You simply want a second opinion
You want reassurance that you understand the claim before making an important decision.
WHO WE HELP
Support for People Managing Property Claims
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Homeowners
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Businesses
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Landlords
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Property Managers
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Contractors
✚
Restoration Companies
INSURANCE CLAIM RESOURCE CENTER
Learn Enough to Recognize What Deserves a Closer Look
Clear educational resources help you understand common claim issues. Personalized analysis remains available when you want those principles applied to your own documents and circumstances.
COMMON QUESTIONS
Frequently Asked Questions
Will you take over or negotiate my claim?
No. We provide independent educational consulting, document review, and decision support. We do not negotiate, represent, or control your claim.
What should I have ready?
Gather the policy, estimates, letters, emails, reports, photographs, inventories, and a timeline of important events.
Are consultations by phone?
Yes. Consultations and document reviews can be completed remotely using secure online scheduling and document-sharing options.
Is this legal advice or public adjusting?
No. The service does not provide legal representation, licensed public adjusting, engineering, contracting, or other regulated professional services.
EXPLORE SPECIALIZED SUPPORT
Find Information Relevant to Your Claim
Explore focused services, claim types, locations, and educational resources.
Gain Clarity Before Your Next Claim Decision
Schedule independent support focused on your questions, your documents, and your next steps.
Choose Your Claim Support