The seller's insurance covers storm damage. You just need to know how to find it, claim it, and keep it. OPI Millions teaches you the complete system.
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Here's what's happening on every storm-damaged property you buy:
You budget $15,000–$20,000 out of pocket. It kills your margin. You either eat the cost or lower your offer.
Their homeowner's policy covers storm damage. It's been sitting there the whole time. Nobody told you to look.
You close, you pay for the repairs yourself, and the insurance money evaporates. It happens on 80% of qualifying deals.
OPI — Other People's Insurance — is the strategy of using the seller's existing homeowner's insurance policy to fund storm damage repairs before you ever close the deal.
When hail hits a property, the insurance company owes for the damage. The deductible is typically just 1% of the home's value. The rest of the claim — roof, gutters, AC, fencing, windows — gets paid out.
Most investors don't know this. You're about to.
What OPI is, why it works, and how a single hail storm can add $20,000–$40,000 of profit to your next deal. The foundation everything else is built on.
Four signature inspection techniques — the Shadow Method, the Chalk Reveal, the Green Box Test, and the Granule Check. All from the ground. No roof climbing required.
How to read a seller's dec page, understand RCV vs ACV coverage, verify the storm date, and know within minutes whether a claim is worth pursuing.
How to help the seller call in the claim, meet the adjuster on-site, make sure nothing gets missed — and what to do if the claim gets denied.
A repeatable 5-step checklist you can run on every deal from now on. Research, qualify, walk, claim, close. Never leave insurance money on the table again.
Ready to use on your next walkthrough. Download, print, and bring them to every deal.
5-point field check. Takes 2 minutes. Tells you instantly if a claim is worth pursuing.
Document everything like a pro. Every elevation, every damage item, every seller question.
See exactly what adjusters look at and how claims are priced. Know your numbers before they do.
One-page tool for reviewing any seller's policy. RCV, ACV, deductible, exclusions — all in one place.
No subscription. No upsells. Just the complete system — delivered instantly.
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