I Write It Plainly
I give the exclusions the same room on the page as the benefits, because that is the half people get caught by. If I catch myself rereading my own sentence, I write it again.
Why I Work This Way
The Policy I Would Want Myself
“I would rather explain a limit twice today than argue about it once later”
I read policies for friends long before I ever wrote one, and the same thing kept happening. The wording was built to protect the file, not the family sleeping in the house. So I write mine the other way round, in sentences I can say out loud at your kitchen table without translating them first.
That habit keeps my paperwork short and my answers straight. Your house carries its own history, so I build the figures around what I can actually see there instead of borrowing them from the place down the street.
- I write cover you can finish in one sitting
- I price the house as it stands today
- I point out the gaps myself before you sign
- I stay on a claim until the repairs are finished