Everett v State Farm is the most recent case which has impacted every homeowner in California. You can read the appellate court decision HERE.

Inspirational Quotes

When the Japanese mend broken objects, they aggrandize the damage by filling the cracks with gold.  They believe that when something's suffered damage and has a history it becomes more beautiful.

Testimonials

I have immense gratitude for the presentations you made here in Colorado Springs, the last weekend of July. They were relevant, practical and oh SO timely. I deeply appreciate how you cleared away the fog, set us on a firm footing and posted great big signs pointing us in the right direction and telling us how to proceed step by step. Invaluable!!!

Waldo Canyon Fire Survivor, 2012