The deep reads behind the checker — read them free, keep them forever.
Six guides, each built on primary sources and dated. They teach the same material the kit operationalizes — the kit adds the letters, the worksheets, and the calendar; the knowledge itself is here.
Reading the estimate
RCV, ACV, depreciation, recoverable, nonrecoverable: read every line of your insurer's estimate and find the three numbers that decide your claim — and the two places labor hides.
Proof craft
The proof that releases your depreciation: final invoices, permits, certificates of completion, timestamped photos — what insurers accept, what they bounce, and how to send it so it processes the first time.
The labor question
Labor depreciation on your estimate: 9 states + DC ban depreciating labor, others allow it, and your estimate's own lines show which side of the line your claim fell on. How to spot it and what to do.
The schedule
Roof payment schedules explained: the age-and-material table in your endorsement that pays a set percentage of replacement cost and never sends a second check — with the worked numbers and the counters.
ALE clocks
The additional living expense clock: Coverage D pays your hotel and rent after a loss, and in Colorado the law ties 365 more days to its end — how ALE clocks work and what to track while they're running.
The hiring math
Public adjuster fees vs. doing it yourself: adjusters take 10–20% (capped at 10% in Texas, tiered in Florida), attorneys a third or more — against a $39 kit and your own hours. The honest break-even math and the cases where you should hire.