About Skylar Reed

Skylar Reed is an insurance claims journalist and policyholder advocate who has spent more than a decade investigating how property insurers handle — and far too often mishandle — storm damage claims across the United States. His work sits at the intersection of insurance law, state regulation, and consumer rights, translating the dense policy language and adjuster tactics that routinely cost homeowners thousands of dollars in underpaid settlements into clear, actionable information policyholders can use.

Skylar’s reporting and research draws directly from primary sources: state Department of Insurance enforcement bulletins, National Association of Insurance Commissioners (NAIC) market conduct reports, U.S. district and appellate court decisions in bad faith insurance litigation, Federal Emergency Management Agency (FEMA) disaster declarations and flood program data, and the statutory text of property insurance codes across all 50 states. He does not rely on industry press releases or insurer-funded research as editorial sources.

Over more than ten years of focused coverage, Skylar has tracked the patterns insurers use to delay, dispute, and deny legitimate storm damage claims — from hail and wind events across the Midwest and Great Plains to hurricane losses along the Gulf Coast and Atlantic seaboard, to the unique wildfire-adjacent and convective storm exposures facing Sun Belt homeowners in Arizona, Nevada, and Texas. That geographic breadth informs every piece of content published on StormAdvocate.org.

Why StormAdvocate.org Exists

Skylar founded StormAdvocate.org on a single premise: most policyholders enter the claims process at a structural disadvantage. Their insurer has dedicated claims teams, proprietary estimating software, and legal resources. The average homeowner has a policy they have never read and a 30-day window to make critical decisions that will affect their recovery for years.

StormAdvocate.org exists to close that information gap — not by providing legal advice, but by giving policyholders the same foundational knowledge of how the claims process works that insurers count on them not having. Every article, state guide, and claim strategy resource published on this site is written with one question in mind: What does a homeowner need to know right now to protect their claim?

Editorial Approach & Sourcing Standards

Skylar’s editorial philosophy is grounded in verifiability. Every factual claim published under his byline or editorial oversight — including statutes of limitations, regulatory deadlines, insurer market conduct ratings, and claims-handling requirements — is traced to a primary government, court, or regulatory source before publication. If a claim cannot be sourced to a verifiable document, it does not appear on StormAdvocate.org.

Primary source hierarchy used by StormAdvocate.org editorial:

1. State Department of Insurance bulletins, enforcement actions, and statutory codes
2. National Association of Insurance Commissioners (NAIC) data, model laws, and market conduct reports
3. Federal and state court opinions in insurance bad faith, coverage dispute, and property damage litigation
4. FEMA, NOAA, and CoreLogic/Verisk catastrophe loss data for storm frequency and severity context
5. Insurance Services Office (ISO) policy form language as baseline for standard policy interpretation

StormAdvocate.org maintains a full editorial standards policy, including its correction policy, jurisdiction review process, and disclosure of any commercial relationships that exist alongside editorial content.

Coverage Areas

• Homeowner and commercial property storm damage claims
• Hail, wind, hurricane, tornado, and winter storm insurance disputes
• Insurer bad faith, claim delay tactics, and underpayment patterns
• State-by-state insurance statutes, filing deadlines, and prompt payment laws
• Roof damage claims, ACV vs. RCV policy disputes, and depreciation holdback issues
• Appraisal clause strategy, proof of loss requirements, and EUO rights
• Claim documentation, adjuster negotiation, and dispute escalation

Editorial Independence

StormAdvocate.org may contain attorney referral resources and partner listings. Skylar Reed’s editorial content is produced independently of any commercial relationships on this site. No advertiser, referral partner, or law firm relationship influences what is written, how claims processes are described, or which strategies are recommended to policyholders. For full disclosure, see the Editorial Standards page.

StormAdvocate.org does not provide legal advice. Content on this site is for informational purposes only. Policyholders with active claim disputes should consult a licensed insurance attorney in their state.