HeyJaredNorman’s Substack
My personal Substack is concerned with Property Insurance covering our homes and business.
- Indexed issues, last 90 days
- 14
- Latest publication
- Sep 27, 2026
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- Aug 4, 2026
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FIRES AND MUDSLIDES (opens the original)
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POLICY LANGUAGEWhile I was reviewing the net today, I came across an article about policyholders taking the time to check and see if their policies will cover damages from flooding or mudslides which could result from the heavy rains that are predicted for the West Coast. In response to this article, I reviewed my Homeowners Policy form and found out the following information:Thanks for reading Norman’s Substack! Subscribe for free to receive new posts and support my wor
Lithium-Ion Battery Fire (opens the original)
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LITHIUM-ION BATTERY FIREContributor Sandra LambeSECOND BATTERY FIRECal Matters has recently reported that the burned remains of a fire which occurred in January of 2025, has reignited at the Moss Landing battery storage facility located in Monterey County. This situation resulted in County officials issuing a shelter in place order for the local residents. The troubling background to this fire is that in January 2025, these same circumstances took place and in the same location, resulting in one
Putting the Insured First (opens the original)
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PUTING THE INSURED FIRSTContributor Sandra LambeGIVE THE INSURED THE ADVANTAGEWhen I first began my experience as a Homeowners Adjuster, I recall the first rule that was pointed out to me by my Supervisor. That rule was PUT THE INSURED FIRST, in the claims adjusting process.The meaning of that phrase was explained to me in the following manner. If during the course of the investigation and evaluation of a claim, you find damage to the home which may not be covered, you should examine the effecti
CHANGES (opens the original)
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CHANGESComedian W.C. Fields once said, “You can fool some of the people some of the time-and that’s enough to make a decent living”. There are times when I believe Mr. Fields was making a reference to the current state of business evolution in the California utility industry. Why do I say that? Because we have had a perfectly good working system, especially here in California, and all we want to do is to change it.AS AN EXAMPLEMeter reading in California has a long history, with utility companie
SMART METER COVER ISSUE AND UNAUTHORIZED SEARCH AND SEIZURE (opens the original)
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SMART METER COVERAGE ISSUES AND UNAUTHORIZED SEARCH AND SEIZUREWhen I first began writing this Blog, it was my intent to explain the Homeowner and Commercial Policies and to assist in answering questions that readers may have. But, over the years, the issues have become confused with policy language that may appear to be a bit vague to both the Claims Adjuster, as well as the insured. Thanks for reading Norman’s Substack! Subscribe for free to receive new posts and suppo
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