Insurance Claims 101: What You’re Really Paid For
Wealthy Way
Ryan Pineda
4.9 • 2.2K Ratings
🗓️ 7 October 2025
⏱️ 12 minutes
🧾️ Download transcript
Summary
Premiums are rising... even when nothing happens to your property. In this segment, Chad explains why initial payouts are Actual Cash Value (ACV) (replacement cost minus depreciation), why Replacement Cost isn’t paid up front, how insurer backlogs after disasters slow everything down, and what that means for real-estate investors in hotspots like FL, CA, TX, and NV.
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About Ryan Pineda:
Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue.
Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing.
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Transcript
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| 0:00.0 | You got an interesting background. |
| 0:01.5 | You're not just a lawyer. |
| 0:03.3 | You also do some play-by-play for the you, right? |
| 0:07.0 | Yeah, I do a public address announcing a little play-by-play for football and basketball. |
| 0:12.8 | I try to do that so that, you know, it's not just another lawyer type of thing. |
| 0:16.9 | Because coming here today, you just see Billboard after after billboard after billboard yeah yeah i mean |
| 0:22.3 | these guys are everywhere out there and you're out in florida yeah doing that yeah licensed in uh five |
| 0:28.2 | states uh florida Washington california new york and texas yeah no i love it so you, we met from doing some one-on-one and stuff like that. |
| 0:40.5 | And what I found fascinating about your business is, you know, you guys do a lot of stuff for |
| 0:46.4 | real estate investors and homeowners in general because, you know, especially in Florida, |
| 0:50.5 | I mean, Florida's been hit probably worse than any state in the country |
| 0:54.9 | when it comes to insurance claims, you know, with all the hurricanes and all this stuff. |
| 1:00.3 | Yeah, it's, it's, Florida is obviously one of the hotspots for natural disasters. |
| 1:06.9 | California now rising because of the fires. There's just another fire that started, unfortunately. |
| 1:14.5 | And, you know, in Nevada, you have dust storms. And things like that are going to be increasing |
| 1:20.8 | over and over and over. And as a real estate investor or commercial real estate property owner, |
| 1:27.1 | you have to be mindful of not only what the cost of the real estate investor or commercial real estate property owner, you have to be mindful of |
| 1:28.4 | not only what the cost of the real estate's going to be, but as the premiums rise, because of all |
| 1:34.9 | these natural disasters and how that's factored in. Yeah. I mean, we have multifamily, and I can just tell |
| 1:41.3 | you from three years ago, since we bought them four years ago they keep |
| 1:45.3 | raising the premiums even though nothing's happened to our properties from that regard but it's like |
| 1:50.9 | man when you're out in those hotspots they're they're just raising them because they're like well it seems |
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