Wade Kerrigan - Retired Adjuster

I spent 31 years on the insurance company’s side of the desk. Now I’m on yours.

I’m Wade Kerrigan, a retired property and auto claims adjuster from Dayton, Ohio. I’ve stood in a thousand wet basements, climbed more roofs than I can count, and written more denial letters than I’d like to admit. On this channel I show homeowners, especially those of us over 60 who’ve paid premiums for decades, exactly how the claims system works from the inside.

You’ll learn what to photograph before disaster strikes, what to say (and never say) on that first call, why your premium keeps climbing, how to answer a denial or a non-renewal letter, and the hidden limits in your policy nobody explains.

No hype. No sales pitch. Just what the adjuster knows and you don’t.

New videos every week. Read your policy like a contract, because it is one.