{"product_id":"every-claim-is-a-negotiation","title":"Every Claim Is a Negotiation","description":"\u003cp\u003e\u003cb\u003eEvery property insurance claim is a negotiation.\u003c\/b\u003e The professional who knows that, and prepares for it, can speak to what the loss actually cost. The one who treats the claim as paperwork is negotiating anyway, just without knowing it.\u003c\/p\u003e\u003cp\u003eFor thirty years, David Herring has worked property claims from both sides of the table: first as a carrier adjuster, then as the appraiser, umpire, and expert witness that policyholders and attorneys call when a file goes sideways. Across more than a thousand litigation matters and hundreds of appraisal panels in 41 states, one pattern held. Every claim turns on a single question, and the person who can answer it with facts, under pressure, controls the room.\u003c\/p\u003e\u003cp\u003e\u003cb\u003e\u003ci\u003eEvery Claim Is a Negotiation\u003c\/i\u003e is the field manual he wished he had when he started. It breaks the work into 73 plain-language frameworks across 29 chapters, drawn from real losses and hard files: \u003c\/b\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\u003cb\u003eWhy market value is not the same as an invoice, and what the pricing database actually measures\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eHow carriers build their numbers, and where those numbers come from\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eHow to build a position that survives a desk review\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eWhat the person across the table actually needs, and how to use it\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eHow to answer the lowball first offer without losing the room\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eWhen silence is the strongest move you can make\u003c\/b\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIt is written for the people who live in these files: public adjusters, staff and independent adjusters, contractors and restoration professionals, appraisers, umpires, and the attorneys who handle first-party property disputes. Policyholders who want to understand what is happening to their own claim will find it just as clear.\u003c\/p\u003e\u003cp\u003eOne principle runs through every page: the facts do not have a side. Learn to find them, document them, and present them, and you do not have to argue the claim. You explain it.\u003c\/p\u003e\u003cp\u003e\u003cb\u003eRead it once to understand the game. Then keep it on the desk for the next hard file.\u003c\/b\u003e\u003c\/p\u003e","brand":"Independently Published","offers":[{"title":"Default Title","offer_id":45786648772655,"sku":"9798181494107","price":19.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0770\/2855\/6847\/files\/imageloader_1b5cc9c4-2074-4302-8468-2d2a2d313836.jpg?v=1786143545","url":"https:\/\/tssbooks.com\/products\/every-claim-is-a-negotiation","provider":"tssbooks","version":"1.0","type":"link"}