We investigate your insurance policy before
We find the gaps, explain them in plain English, and keep your records ready, so you have the receipts when you need them.
We read your policy the way your carrier reads it, before
denying your claim.
Adversarial review against your state’s insurance code and the denial tactics carriers actually use, before a loss locks the language in.
Investigation
Upload the policy. We cross-check coverage, sublimits, exclusions, and named insured against your state’s insurance code and the denial tactics in our case library. Every gap names the section that backs it.
Inventory
Carriers ask for proof on day one of a claim. We keep your inventory, receipts, photos, appraisals, and walkthrough video in one place, dated before the loss, exportable as PDF. The day a loss happens is the wrong day to start hunting for receipts.
Renewal coach
Carriers add exclusions, reclassify zones, and change sublimits at renewal. We watch your renewal date, re-investigate the new policy, and hand you three specific questions to ask your agent before you sign anything.
The carrier is the counterparty. These are the receipts.
Three real claim cases that drove a homeowner into court because the policy did not respond as promised. One per peril we were built to anticipate.
Read_the_full_record →After the Camp Fire destroyed Paradise, California, plaintiffs in Doan v. State Farm secured changes to State Farm's claims-handling practices and new safeguards for policyholders, co-led by Cutter Law as a landmark consumer victory.
After Hurricane Ian, more than 92,000 Florida homeowners had claims denied. The recurring tactic: attribute damage to excluded storm surge or ground-water flooding while minimizing the scope assigned to covered wind, often without a reasonable investigation, and sometimes contradicted by the carrier's own engineering report.
Filed in U.S. District Court for the Central District of California, Arhinful v. State Farm General alleges the carrier withheld $319,881.12 in benefits, delayed environmental testing for ten months, and labeled major contractor estimates “not warranted.” The Palisades Fire homeowner's residence remained uninhabitable nearly a year later.
We are a paid advocate for the homeowner. We read the policy, name the gaps, and cite the code that backs them. We answer to you, never to your carrier. Re_Tera is not a broker, agent, or adjuster, and does not give legal advice.
We have refused all carrier-side compensation. We do not receive commission, override, contingent, or referral fees from any carrier. Ever.
Cross-checking your policy against your state’s insurance code is the floor. We also read the public court filings where carriers wrote their denial language down: Doan v. State Farm. Hurricane Ian. Arhinful v. State Farm General. When your carrier reaches for the same script, you already know what’s coming.