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When a storm hits, most homeowners assume the hardest part is over once the claim is filed. In reality, that’s when the most critical decisions begin. In this episode of From Storm to Settlement, we bring together two perspectives that rarely get explained side-by-side: Adam Rod, Public Adjuster, breaks down what really happens inside an insurance claim — what adjusters look for, why settlements come in lower than expected, and how early decisions affect long-term outcomes. Blu Harris, roofing and construction expert, explains what damage is commonly missed, how incomplete scopes create problems during repairs, and how homeowners should think about repair vs. replacement decisions. This conversation isn’t about promotion, it’s about clarity. If you’re a homeowner, realtor, investor, or anyone who wants to understand how storms turn into settlements (and where things go wrong), this episode will change how you look at the process.