Independent insurance intelligence
The industry has secrets.
I spent decades behind the scenes. Now I’m telling you what really happens—and how to protect yourself and your wallet.
Browse published episodesLatest episode
Most recently published.
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State Farm Roof Claims: What the Internal Documents Show
Watch the episode →: State Farm Roof Claims: What the Internal Documents ShowAn examination of court-filed State Farm roof-claim documents, the company response, and steps homeowners can take when questioning an estimate.
More from the public record
Previously published episodes.
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When Should You File an Insurance Claim?
Open episode →: When Should You File an Insurance Claim?The Insurance Phantom explains how claim frequency, loss size, and deductibles affect insurance costs, and why some smaller losses may be better paid out of pocket.
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Insurance Claims: Should You File?
Open episode →: Insurance Claims: Should You File?The Insurance Phantom previews an insider breakdown of when and how to file an insurance claim, what happens afterward, and how the decision can affect your wallet.
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Meet the Insurance Phantom
Open episode →: Meet the Insurance PhantomAn insurance insider steps out of the shadows to explain what this channel will reveal—and how it will help consumers protect themselves and their wallets.
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