Property Insurance Roundtable

How to Make the Most of an Underinsured Loss


Oftentimes post-disaster, policyholders unfortunately discover that they do not have enough insurance on their property. Preparation and planning in advance surely can help avoid such issues as being underinsured. However, after a loss there are still options available to the policyholder to maximize their financial recovery and minimize their underinsured loss.

Key Takeaways

  • [01:07] How often are policyholders underinsured?
  • [02:17] How can policyholders ensure they have the proper coverage?
  • [05:36] How often should business owners meet with their insurance company?
  • [06:11] What are blanket policies and how do they affect coverage limits?
  • [08:53] What do policyholders need to do to conduct a comprehensive analysis of their policies?
  • [14:50] Where do policyholders find hidden coverages?
  • [18:40] Is landscaping coverage often overlooked?
  • [23:11] What is third-party recovery and how does it affect coverage?
  • [24:51] How does an insurance company adjuster help with third-party recovery, as opposed to a public adjuster?
  • [29:01] How can the insured request advance payments from insurance companies?
  • [30:35] Why is it important to negotiate during a policy claim?
  • [34:08] What role can tax relief, government benefits and legal assistance play in the insurance claim process?
  • [39:09] Where should people go to find an insurance adjuster in their area?


Clay Gibson’s professional career has been primarily in the insurance and disaster recovery industries. Now with Adjusters International, he uses this knowledge and experience to represent clients who have lost their homes and/or businesses in disasters. One of Clay’s roles is to ensure that all clients are satisfied with the services we provided. With over 25 years’ experience in the insurance field, Clay is fluent in “insurance speak” and understands the nuances in claims processes that can mean the difference between ruin and recovery for a disaster victim.

Clay, Director of Operations, is licensed as a public adjuster in 11 states and has represented clients throughout the western United States including victims of the San Bruno PG&E Pipeline Explosion, the Big Sur Wildfire, and the Boles Fire in Weed, California.

Clay has been featured as an expert panelist on Adjusters International’s Property Insurance Roundtable podcast in the episodes titled, “How to Make the Most of an Underinsured Loss,” and “Disasters Raising Questions of Insurance Adequacy.”

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Ethan A. Gross, JD
Chief Executive Officer