Licensed Public Adjusters · Agency Lic #3490161 · TX #3256937 · OK #3004340354
Free Policyholder Playbook

Deny. Delay. Defeated.

The insider playbook policyholders use to fight back when their insurance carrier denies, delays, or lowballs a legitimate property damage claim.

  • The 3 tactics carriers use to deny valid claims — and how to counter each one
  • The 72-hour documentation checklist that makes or breaks your file
  • How to invoke appraisal correctly (and when NOT to)
  • Sample language to preserve your rights under state prompt-pay statutes
  • How concurrent causation, EPC, and anti-concurrent clauses actually work
  • The 5 phrases in a denial letter that mean you may have a bad-faith case
TX & OK Licensed
P.L.A.N. Certified Appraiser
Instant PDF Download
Send Me The Playbook

By submitting, you agree to receive the playbook and occasional claim-tips emails from Good Faith Claims. We never sell your information. Unsubscribe anytime.

Written by a licensed adjuster

Not theory. Not filler. Field-tested tactics.

This playbook was written by Dr. Farhan Murtuza Merchant — a Texas-licensed public adjuster and P.L.A.N. certified appraiser — from real claims and controlling case law. Every tactic references a rule, a statute, or a controlling case.