When the Eaton Canyon fire hit, one of Joel’s clients had everything on the line: their home, their assets, their financial future. Because they had the right coverage structure in place before disaster struck, they walked away with their home protected, their assets safeguarded, and a path to recovery that was actually possible. This is what it looks like when preparation meets crisis. Most people find out they’re underinsured at the worst possible moment. Joel makes sure his clients never have that conversation.