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Background
I spent 14 years as a licensed insurance broker in Atlanta, writing home, auto, life, and commercial policies. I knew the products well. I knew how claims moved through the system. And I knew, more often than I was comfortable with, that the people sitting across from me were signing documents they didn’t actually understand — not because they weren’t paying attention, but because the industry is built to make that the default outcome.
I left brokerage in 2021. Not dramatically — I just reached a point where explaining the same confusing policy language to the same confused people, on behalf of carriers who had no incentive to make it clearer, stopped feeling like work I wanted to do. I started Policy Frontline because the alternative — a site where someone could get a straight answer about their actual policy without getting sold something — didn’t really exist the way it should.
I still hold my broker’s license. I read policy documents the way most people read menus: quickly, and specifically looking for the thing that’s going to cause a problem. That’s what I do here.
What I Cover on Policy Frontline
Every post on this site answers a specific insurance question — the kind you’d normally have to call your agent to get a partial answer to. Not “how does homeowners insurance work,” but “does homeowners insurance cover a roof damaged by hail, and here’s exactly what to look for in your policy and what adjusters are checking when they show up.” I reference specific policy clauses and section names, cite state insurance commissioner resources by name when state law varies, and walk through claims processes with real timelines. When I tell you something is a bad policy, I tell you exactly why it’s bad — dollar thresholds, exclusion language, the specific clause that will hurt you when you file.
There are things I won’t do here. I don’t recommend specific carriers — I have no commissions and no reason to steer you toward anyone. I don’t write vague warnings like “you may be underinsured” without telling you what underinsured actually means in your situation. And I don’t tell you to “consult a professional” as a way of avoiding the actual answer. You came here because you want to know what your policy says. I’ll tell you.
Credentials & Experience
- Licensed insurance broker — license currently active
- 14 years in insurance brokerage, Atlanta, Georgia
- Lines of experience: homeowners, auto, life, and commercial insurance
- Direct background in policy interpretation, claims navigation, and coverage analysis
- Independent — no carrier affiliations, no commissions, no sponsored recommendations
Get in Touch
If you’ve got a question about a policy, a claim that’s gone sideways, or a renewal notice that doesn’t add up, use the contact form below. I can’t give you legal or financial advice, but I can tell you what the document in front of you actually says.
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