Case studies

One matter at a time, with the paperwork behind it.

Each of these is a real matter between a commercial property owner and the licensed businesses, carriers and professionals they had to deal with. Every figure comes off a dated document, every assertion carries the label of what backs it, and none of them concludes that anyone behaved badly.

They are published because the mechanics generalise. The reader is not here for someone else’s grievance — they are here because something similar is happening to them.

Anchor study · Insurance claimsA fire claim Travelers never denied, and still took 27 months to payMost owners who search for a denied claim were not denied. They were underpaid and then left waiting — a different problem, with different mechanics, and almost nothing written about it for commercial property.Last verified 8 October 2026

New analysis as it publishes.

Licence scope, code requirements, quote mechanics, and contract terms. Nothing else, and no vendor pitches.