Cole Merritt brings a rare triple-threat perspective to insurance claims and supplements: 15+ years working across the carrier side, public adjuster side, and contractor side simultaneously.
Started as a staff adjuster for a major insurance carrier. Processed thousands of claims, denied dozens of sketchy supplement requests, and approved many legitimate ones. This insider knowledge shows up in every recommendation in the book—Cole knows exactly what carriers want to see and what they'll automatically reject.
Transitioned to represent policyholders. Fought carriers from the other side. Won appeals, negotiated settlements, and learned where carriers have flexibility. This perspective ensures everything in the book is legally defensible and practical.
Licensed general contractor and roofing contractor. Still actively works restoration projects. Understands the pricing, materials, labor, and market realities contractors face when building supplements. The book's pricing guidance is real-world, not theoretical.
Most supplement advice comes from one perspective: either "here's what contractors do" or "here's what carriers want." This book covers all three—so you understand not just what to do, but why it works and what the other side actually thinks.
SupplementPro distills 15+ years of field experience into a playbook that actually works.