Stone N Sling Books
Storms Are Inevitable!
I didn’t set out to auther a book. I set out to survive storms, and then to help other families survive them too.
I’ve lived through four major hurricanes in South Florida since 2008: Irma, Ian, Helene, and Milton. Each one tore apart not only roofs and walls but also the illusion that insurance would always do the right thing. Along the way, I also lost a business location because of underinsurance. That experience changed me. It taught me that policies aren’t written for protection, they’re written for profit.
What I’ve seen in the insurance industry is nothing short of a David vs. Goliath story. Homeowners stand vulnerable, often reduced to a policy number, while corporate giants treat delays and lowball offers as routine. But like David, homeowners are not powerless.
This book is my way of putting a sling in your hands, knowledge of your rights, and giving you stones to throw: preparation, documentation, persistence, and strategy. These are not tricks or shortcuts. They are legitimate, ethical, and effective tools to help you face a system that often feels stacked against you.
I don’t offer legal advice. What I offer is something just as important: lived experience, practical insight, and the conviction that every homeowner deserves to be “Made Whole”.
- Steve
“When you pass through the waters, I will be with you; and through the rivers, they shall not overwhelm you.” — Isaiah 43:2
-
Legal & Financial Document Checklist
Make sure you have the following information, including correct phone numbers for your insurance companies. Review your coverage to make sure it is adequate for your current circumstances. If you are missing some of this information and are unsure where to obtain it, see the list of resources at the end of this list. These items may be useful if you need to file for government disaster assistance, tax assistance, etc.
-
Homeowners Insurance Toolkit: Adjuster Page
You may use the following log to record the name and contact information for the adjuster assigned to your claim as well as any conversations you have. You should also document attempts to contact the adjuster that were unsuccessful or conversations with others regarding your claim. This information could be beneficial later.
-
Homeowners Insurance Toolkit: Insurance Declaration
This downloadable resource helps you understand the key details of your homeowners insurance policy by breaking down the Declarations Page — the summary of your coverage, limits, and deductibles. It guides you through what each section means, how to spot potential gaps, and what to review before disaster strikes so you can be confident you’re fully protected.
-
Homeowners Insurance Toolkit: Property Inventory
This downloadable resource makes it easy to document and organize everything you own. It includes simple tables to record each item in your home — along with details like quantity, purchase date, price, brand, and model or serial number. Keeping an accurate inventory helps you prove value, speed up claims, and recover more confidently after a loss.