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When you buy a property insurance policy, do you know what’s covered and what’s excluded? Many of us read the declarations page, but it’s the contract that has all the details. And it’s those details that could surprise us when we are suddenly faced with a crisis, and are expecting our insurance to cover the costs. In this episode, you’ll hear from a public insurance adjuster who says that most property owners have “no” idea what’s in their insurance package because they’ve never read any of it. In fact, he says many don’t even have a copy of their contract. During this interview, he offers insights into the claims process and tips on what you should and should not do or say. That includes why you might want to use a public adjuster as a “go-between” between you and the insurance company. Andy Gurczak is the founder of public adjusting company, AllCity Adjusting. It is based in Chicago, Illinois, but operates in several other states including Indiana, Pennsylvania, Texas, California, Ohio, Michigan, and Color