User Profile - United Policyholders

Troy Willis

As Chief Financial Officer and public adjuster at For the People Public Insurance Adjusting, my duties are to oversee and manage daily operations and prepare strategies for appraising and negotiating a policyholder insurance claim. As CFO, I represent the rights of an insured during an insurance claim process. My duties include providing the expertise and ability to interpret ambiguous insurance policies which allows property owners to receive the maximum amount of indemnification for their claims. I prepare a detailed scope of repairs, estimates, and appraisals as well as use experts in the fields of remediation, toxicology, and construction engineers to prove the policyholder’s loss. It is my purpose to provide insurance policy interpretation so I can determine covered and uncovered items so that our firm can negotiate with the insurance carrier to a final and fair settlement.

Certifications:

-CA Public Adjuster
-CPIU, Certified Property Insurance Umpire
-CPIA, Certified Property Insurance Appraiser
-IICRC – Water Damage Restoration
-IICRC- Commercial Mold Inspector
-IICRC – Ozone & Hydroxyl Remediation
-IICRC – Specialty Surface Cleaning Media Blasting
-COVID-19 Disinfection Certification
-Residential/Commercial Large Loss Estimator
-Residential Contractor – Idaho
-Retired Construction Consultant
-Epidemic/Pandemic Response Contractor

Community Activities

Extreme heat damage

Where can I find a structural engineer or other professional to assess my home for extreme heat damage or secondary damages? I am concerned that our house may have been affected because our attic had 95% humidity for about six weeks after they eaten fire.…

Troy Willis answered 2 months ago • Dwelling Partial loss • California

176 views1 answers

Selling land before insurance claim is settled

My home is insured with CA Fair Plan and was destroyed in the Eaton Fire. I am considering selling the lot “as is” but have not yet settled my claim with my insurance company. If I sell the lot how could this affect my insurance…

Troy Willis answered 3 months ago • Coverage Question • Alabama

179 views1 answers

Investigating Risk Score

Recently, at a Nevada County town hall, Amy Bach advised “finding out your risk score…and making sure it’s based on accurate information”. Although California Fair Plan insureds are informed of their Level 1 and Level 2 wildfire risk scores (as determined solely by Fair Plan),…

Troy Willis answered 6 months ago • Coverage Question • Alabama

544 views2 answers

ALE benefits while looking for replacement home

Our California home was destroyed in a wildfire and we have decided to purchase a replacement house rather than rebuild. Our insurance company is in the process of issuing us checks for our house and additional structures. They have been paying for our hotel room…

Gregg Clifford answered 6 months ago • Coverage Question • California

578 views3 answers

California Code Upgrade Costs

My 80 year old wife and I suffered a house fire in which roughly 50 percent of our home was destroyed. The other 50 percent is still standing but has extensive smoke damage. The home is nearly 100 years old. Do to the age of…

Troy Willis answered 6 months ago • Coverage Question • California

605 views1 answers

Insurance paying vendors out of ACV

Our insurance company is paying the vendor fees out of our ACV of contents loss. We had a garage fire that ended up pretty much a total loss. The only thing that they are trying to say is not a total loss is our kitchen…

Robert Crown answered 6 months ago • Coverage Question • California

453 views2 answers

Water Damage Claim Denied

Hi there, I was recently denied a claim for water damage. I had found a significant amount of water in my home during a storm. The roof of my home had, within the same year, a roofer on it who proactively sealed an area with…

Troy Willis answered 1 year ago • Claim Denial • California

482 views1 answers

Will the mortgage company keep our check if we are currently in a forbearance?

Hi, We are in forbearance due to hardship. I learned that when we receive payment from the insurer for repairs we have to have them sign the check also. We live in California, they are in Texas. Will they be entitled to keep the money?…

Troy Willis answered 2 years ago • Mortgage Issues • California

1448 views1 answers

We lost our home in the Tubbs Fire 5 years ago and are still not done with our claim. The issue is our fencing. I met with a public adjuster right after the fire in a group meeting and he said if the fencing is…

Troy Willis answered 3 years ago • Coverage Question • California

779 views1 answers

Code Upgrade costs

I’m negotiating with my insurance company on code upgrade charges. We lost our home in the 2017 Tubbs Fire in California. My original house was built in the ’70s and remodeled in mid ’80s. Our rebuild permit was issued in 2019. What portion increase (percentage…

Troy Willis answered 3 years ago • Coverage Question • California

2283 views1 answers