The LightHouse blog
Per-loss guidance for NJ / PA / CO policyholders.
Short guides that walk through what we see on real claims across the three states we’re licensed in — fire, water, freeze burst, and wind/storm. Filter by claim type or region to find the one closest to your loss; a licensed public adjuster on our team replies personally within one business day if you’re ready to talk specifics.
Latest guides
Filter by claim or region.
Pick a loss category and one (or none) of the three states — the cards narrow to the guides most directly relevant to your loss. We publish one a week across the licensed service area.
New to the language of claims? See the Glossary — plain-English definitions for Actual Cash Value, Replacement Cost, Coverage A/B/C/D, Proof of Loss, and more. For a deep dive into adjuster terminology, see public adjuster terms.