Marcus Bell

Marcus Bell spent fourteen years in property and casualty claims, starting as a field adjuster working water, wind, fire, and theft losses on homes and vehicles before moving into complex and disputed claims.

That background shapes how he reads a policy: from the claim backward. At Insurance 8020 he writes about claims frequency, severity, and fraud, and reviews home and auto guides to make sure the coverage descriptions match how losses are handled in practice, including the exclusions and deductibles that surprise people most.

His standing advice is unglamorous: photograph your belongings, read your declarations page once a year, and report a loss promptly.