Here Is How It Works
Step 1
Click “Start Your Coverage Gap Check”
Answer a short series of questions about your current homeowners coverage.
Step 2
Answer Simple Coverage Questions
You’ll answer 10 simple questions to assess whether your coverage may carry hidden risks.
Step 3
Get Your Risk Snapshot
Based on your responses, we show you if your policy coverage may carry any risks.
Step 4
Take the Next Step—If You Choose
If risks are identified, you’ll be invited to continue with a PolicyGuard Home review.
Frequently asked questions
What is a Happy Adjuster?
A Happy Adjuster is a licensed insurance professional who works for you — not the insurance company.
We help homeowners understand their coverage, identify risks before they become costly problems, and make sure their policy and property are truly aligned for protection. But what really sets us apart is in the name — we’re happy to help.
Unlike many adjusters who are burned out or stuck behind corporate red tape, we genuinely enjoy what we do. That positive energy shows up in every interaction — making your review experience clearer, smoother, and far less stressful.
Why work with a licensed adjuster?
• Because adjusters spend their entire careers reading, interpreting, and applying insurance policies in the real world.
• We know what gets covered, what gets denied, and why.
• We see what should’ve been on the policy — and what was missing.
• We inspect properties with an eye for risk, and understand how policy language plays out when it really matters.
Agents are trained to sell policies. Adjusters are trained to see how those policies actually perform.
Think of it like this: if your insurance policy is a parachute, your agent may have helped you pick the color and brand — but the adjuster is the one who knows if it’ll actually open when you need it most.
So who better to walk through your protection with you — to make sure your policy fits your property, your risks are minimized, and that if anything ever does go wrong, you’re set up to land safely?
We’re not selling coverage, and we’re not here to upsell or overinflate. Our goal is simple: to give you clarity, confidence, and the peace of mind that comes from knowing you’re protected the right way.
We help homeowners understand their coverage, identify risks before they become costly problems, and make sure their policy and property are truly aligned for protection. But what really sets us apart is in the name — we’re happy to help.
Unlike many adjusters who are burned out or stuck behind corporate red tape, we genuinely enjoy what we do. That positive energy shows up in every interaction — making your review experience clearer, smoother, and far less stressful.
Why work with a licensed adjuster?
• Because adjusters spend their entire careers reading, interpreting, and applying insurance policies in the real world.
• We know what gets covered, what gets denied, and why.
• We see what should’ve been on the policy — and what was missing.
• We inspect properties with an eye for risk, and understand how policy language plays out when it really matters.
Agents are trained to sell policies. Adjusters are trained to see how those policies actually perform.
Think of it like this: if your insurance policy is a parachute, your agent may have helped you pick the color and brand — but the adjuster is the one who knows if it’ll actually open when you need it most.
So who better to walk through your protection with you — to make sure your policy fits your property, your risks are minimized, and that if anything ever does go wrong, you’re set up to land safely?
We’re not selling coverage, and we’re not here to upsell or overinflate. Our goal is simple: to give you clarity, confidence, and the peace of mind that comes from knowing you’re protected the right way.
Do you work for the insurance company?
No — we work for you. But here’s the powerful part: most of our Happy Adjusters have years of experience working inside the insurance industry. We know how the process works, what the companies look for, and how decisions really get made — because we’ve been on the inside.
That means you get expert-level guidance from someone who’s played their game and knows exactly how to navigate it. We use that experience to your advantage — helping you avoid common traps, speak the language adjusters understand, and make sure your coverage is setup to protect if it's ever needed.
So no, we don’t work for the insurance company. But we know how they work — and that’s what makes us one of the best resources you can have on your side.
That means you get expert-level guidance from someone who’s played their game and knows exactly how to navigate it. We use that experience to your advantage — helping you avoid common traps, speak the language adjusters understand, and make sure your coverage is setup to protect if it's ever needed.
So no, we don’t work for the insurance company. But we know how they work — and that’s what makes us one of the best resources you can have on your side.
Are you public adjusters?
No — we’re not public adjusters. While public adjusters do work for policyholders, their role begins after disaster strikes — once the damage is done and a claim has been filed. Their primary motivation is financial: they’re paid a percentage of your total claim, which means the higher your claim, the more they earn. That model can sometimes encourage inflated estimates and drawn-out claim disputes.
Happy Adjuster is different.
We don’t work on commission, and we’re not here to profit from your loss. Our focus is prevention — not reaction.
Public adjusters step in after a storm; we step in before one ever hits.
Using our proprietary review tool, Policy Guard Home, we help homeowners identify gaps, exclusions, and coverage traps before they lead to denied claims or unexpected costs.
Our mission is simple:
To help you understand what your policy really covers, strengthen your protection, and give you the peace of mind that comes from being prepared — not surprised.
Happy Adjuster is different.
We don’t work on commission, and we’re not here to profit from your loss. Our focus is prevention — not reaction.
Public adjusters step in after a storm; we step in before one ever hits.
Using our proprietary review tool, Policy Guard Home, we help homeowners identify gaps, exclusions, and coverage traps before they lead to denied claims or unexpected costs.
Our mission is simple:
To help you understand what your policy really covers, strengthen your protection, and give you the peace of mind that comes from being prepared — not surprised.
What can I do with my review?
Your policy review is more than just information — it’s a roadmap to peace of mind.
Once your review is complete, you’ll receive a personalized summary PDF that clearly highlights what’s covered, where gaps exist, and practical recommendations to strengthen your protection.
You can download and share this document directly with your insurance agent. Because it’s written in plain language, your agent will immediately see the areas that need attention — helping you update or add the right coverages faster and with fewer back-and-forth conversations.
For you, it means clarity and control.
For your agent, it means efficiency and precision.
And together, it means fewer surprises and potentially thousands of dollars saved the next time life puts your policy to the test.
Peace of mind starts when you know exactly where you stand — and that’s what your Happy Adjuster review gives you.
Once your review is complete, you’ll receive a personalized summary PDF that clearly highlights what’s covered, where gaps exist, and practical recommendations to strengthen your protection.
You can download and share this document directly with your insurance agent. Because it’s written in plain language, your agent will immediately see the areas that need attention — helping you update or add the right coverages faster and with fewer back-and-forth conversations.
For you, it means clarity and control.
For your agent, it means efficiency and precision.
And together, it means fewer surprises and potentially thousands of dollars saved the next time life puts your policy to the test.
Peace of mind starts when you know exactly where you stand — and that’s what your Happy Adjuster review gives you.
Is this worth my time?
Without question. Every year, millions of homeowners learn too late that their policy isn’t what they thought it was — and billions in claims are denied because of hidden exclusions and fine print.
Policy Guard Home flips that script.
Your review is completely free, yet it can reveal coverage gaps that could cost you tens of thousands of dollars if disaster strikes. Most homeowners don’t realize that a single uncovered loss — like a water leak, roof issue, or code upgrade — can cost $20,000, $50,000, or more out of pocket.
In just a few minutes, you’ll know exactly what’s covered, what’s missing, and what steps can protect your home — before it’s too late.
You’ll spend five minutes uploading your policy, and in return, gain information that could save you thousands. Free clarity now or costly lessons later — it’s an easy choice. So the sooner you upload, the sooner you’ll have clarity, confidence, and peace of mind knowing exactly how your coverage stacks up.
Policy Guard Home flips that script.
Your review is completely free, yet it can reveal coverage gaps that could cost you tens of thousands of dollars if disaster strikes. Most homeowners don’t realize that a single uncovered loss — like a water leak, roof issue, or code upgrade — can cost $20,000, $50,000, or more out of pocket.
In just a few minutes, you’ll know exactly what’s covered, what’s missing, and what steps can protect your home — before it’s too late.
You’ll spend five minutes uploading your policy, and in return, gain information that could save you thousands. Free clarity now or costly lessons later — it’s an easy choice. So the sooner you upload, the sooner you’ll have clarity, confidence, and peace of mind knowing exactly how your coverage stacks up.
Doesn’t my agent already review my policy every year?
What most homeowners believe:
Many homeowners assume their insurance agent reviews their entire policy every year, checks for coverage gaps, and proactively alerts them if something could cause a problem during a claim.
The reality:
In most cases, agents do not perform a full, line-by-line policy review unless the homeowner specifically requests it — and even then, the review is often limited in scope. Annual “policy reviews” typically focus on billing, renewals, and whether the policy is still in force, not on identifying hidden limits, exclusions, or claim-impacting provisions. Insurance policies are long, technical documents, and many critical changes can occur quietly over time — endorsements are added, sublimits change, exclusions evolve, and coverage expectations shift — without triggering a proactive conversation. If policies were being thoroughly reviewed every year, millions of homeowners wouldn’t discover coverage gaps for the first time during a claim. Underpaid and denied claims wouldn’t be as common as they are.
Why this matters:
This isn’t about blaming agents — most are doing exactly what their role is designed to do. Agents play an extremely important role, but their job is primarily to place and service coverage, not to evaluate how that policy will actually perform during a loss. Claim outcomes depend on details that are rarely discussed unless someone is intentionally looking for them. That’s where an independent, pre-loss policy review makes the difference — not to replace your agent, but to give you clarity before a disaster reveals what was missed.
Bottom line:
Being insured doesn’t automatically mean your coverage has been thoroughly reviewed annually for real-world claim scenarios. Proactive clarity is the only way to know for sure.
Many homeowners assume their insurance agent reviews their entire policy every year, checks for coverage gaps, and proactively alerts them if something could cause a problem during a claim.
The reality:
In most cases, agents do not perform a full, line-by-line policy review unless the homeowner specifically requests it — and even then, the review is often limited in scope. Annual “policy reviews” typically focus on billing, renewals, and whether the policy is still in force, not on identifying hidden limits, exclusions, or claim-impacting provisions. Insurance policies are long, technical documents, and many critical changes can occur quietly over time — endorsements are added, sublimits change, exclusions evolve, and coverage expectations shift — without triggering a proactive conversation. If policies were being thoroughly reviewed every year, millions of homeowners wouldn’t discover coverage gaps for the first time during a claim. Underpaid and denied claims wouldn’t be as common as they are.
Why this matters:
This isn’t about blaming agents — most are doing exactly what their role is designed to do. Agents play an extremely important role, but their job is primarily to place and service coverage, not to evaluate how that policy will actually perform during a loss. Claim outcomes depend on details that are rarely discussed unless someone is intentionally looking for them. That’s where an independent, pre-loss policy review makes the difference — not to replace your agent, but to give you clarity before a disaster reveals what was missed.
Bottom line:
Being insured doesn’t automatically mean your coverage has been thoroughly reviewed annually for real-world claim scenarios. Proactive clarity is the only way to know for sure.
What is Policy Guard Home?
Policy Guard is Happy Adjuster’s proprietary policy review tool designed to give homeowners clarity before a claim ever happens. It reviews your entire homeowners insurance policy and translates it into plain English, highlighting coverage gaps, hidden limits, exclusions, and policy conditions that could affect a future claim.The goal isn’t to turn you into an insurance expert — it’s to give you peace of mind and confidence that you know where you’re protected and where you may be exposed, so there are no surprises when it matters most.
Policy Guard Home helps homeowners move forward knowing their coverage has been intentionally reviewed, not assumed.
Policy Guard Home helps homeowners move forward knowing their coverage has been intentionally reviewed, not assumed.
Is My Information Secure?
Yes. Protecting your information is a top priority.
Your login is protected.
We never store your actual password. It’s securely scrambled so even we can’t see or read it.
Your policy documents are stored safely.
Your insurance PDFs are kept in secure cloud storage, not on a local computer. Only you can access your policy and review when you’re logged in.
Your session is protected.
If you step away and forget to log out, the system automatically signs you out after 30 minutes of inactivity to prevent unauthorized access.
All data is encrypted.
Any information sent between your device and our system is encrypted, meaning it’s protected while in transit.
Your information stays private.
Your policy details are only visible to you. Other users cannot see your information.
You’re always in control.
You can delete your account at any time. When you do, your policy data, reviews, and history are permanently removed.
Bottom line:
Your information is private, protected, and always under your control — so you can focus on clarity and peace of mind.
Your login is protected.
We never store your actual password. It’s securely scrambled so even we can’t see or read it.
Your policy documents are stored safely.
Your insurance PDFs are kept in secure cloud storage, not on a local computer. Only you can access your policy and review when you’re logged in.
Your session is protected.
If you step away and forget to log out, the system automatically signs you out after 30 minutes of inactivity to prevent unauthorized access.
All data is encrypted.
Any information sent between your device and our system is encrypted, meaning it’s protected while in transit.
Your information stays private.
Your policy details are only visible to you. Other users cannot see your information.
You’re always in control.
You can delete your account at any time. When you do, your policy data, reviews, and history are permanently removed.
Bottom line:
Your information is private, protected, and always under your control — so you can focus on clarity and peace of mind.
Click Below To Get Started
.png){kind=spacer}