Recovery is a marathon, not a sprint.
Bright Harbor is the expert support team that can get you to the finish line.
You've made it this far in your recovery—now let's get you what you need to rebuild your life. Thanks to the The Change Reaction, get free, expert support with insurance and FEMA appeals, making a contents inventory, finding private grants, and more.
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What you get
Get 3 months of free access to the following premium professional services:
In-depth Recovery Review
In-depth Recovery Review
Evaluate your recovery progress so far and uncover opportunities for additional funding, savings, and support. Your dedicated recovery specialist will create a custom plan to help maximize your recovery budget based on your needs and where you are in the recovery journey,
Weekly Calls + Unlimited SMS Help
Weekly Calls + Unlimited SMS Help
Our recovery experts are available to help you navigate everything from contents inventory creation to finding private grants to tax relief advice —and anything else you need to rebuild.
Prioritized Vendor Network
Prioritized Vendor Network
Save hours sourcing and vetting trusted vendors for the rebuild, from general contractors to architects, environmental hygienists, mitigation specialists, and more.
Insurance and FEMA Appeals Support
Insurance and FEMA Appeals Support
Your dedicated specialist will provide proven templates, expert guidance, and realistic expectations for a clearer, more streamlined appeals process.
Save your employees hours sourcing and vetting trusted vendors
for the rebuild, from general contractors to architects, environmental hygienists, mitigation specialists, and more.
Reduce uncertainty— and maximize your recovery budget
Bright Harbor's Network
We have has assembled a network of high quality, local vendors to support disaster survivors with all the services they need to recover.
Bright Harbor's Network
We have has assembled a network of high quality, local vendors to support disaster survivors with all the services they need to recover.
Our clients get priority access to:
General contractors
Contents inventory
Smoke remediation
Mold remediation
Debris removal
Environmental testing
Architects
Personalized support to fit your unique situation
Every survivor faces a different journey: from the extent of the damage to your employment, family, and financial details, your priorities in recovery are unique to you. Based on your recovery review, your dedicated specialist will develop a customized plan to help you reach your specific goals.
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Bright Harbor's Network
Bright Harbor has assembled a network of high quality, local vendors to support disaster survivors with all the services they need to recover.
Our members get priority access to:
Mental health support
Temporary housing resources
Contents inventory
Smoke remediation
Mold remediation
Debris removal
Environmental testing
Architect
General contractors
our team
When disaster strikes, we handle every detail — grant applications, insurance claims, and support — so you can focus on healing and rebuilding your life.
Gavin Blair
Chief Operating Officer,
former SVP @Lemonade Insurance
Justin Hoellerich
Disaster Recovery Specialist,
20+ years as a property adjuster and GC
Jaleesa Coker
Disaster recovery specialist
Heather Robson-Jones
Disaster Recovery Specialist,
former disaster case manager
Pete Gaynor
Advisor,
former FEMA administrator
Bill Cullen
Advisor,
Marshall Fire survivor
Erik Person
chief technology officer
Caroline Williamson
Product manager
our team
When disaster strikes, we handle every detail — grant applications, insurance claims, and support — so you can focus on healing and rebuilding your life.
Gavin Blair
Chief Operating Officer,
former SVP @Lemonade Insurance
Justin Hoellerich
Disaster Recovery Specialist,
20+ years as a property adjuster and GC
Jaleesa Coker
Disaster recovery specialist
Heather Robson-Jones
Disaster Recovery Specialist,
former disaster case manager
Pete Gaynor
Advisor,
former FEMA administrator
Bill Cullen
Advisor,
Marshall Fire survivor
Erik Person
chief technology officer
Caroline Williamson
Product manager
our team
When disaster strikes, we handle every detail — grant applications, insurance claims, and support — so you can focus on healing and rebuilding your life.
Gavin Blair
Chief Operating Officer,
former SVP @Lemonade Insurance
Justin Hoellerich
Disaster Recovery Specialist,
20+ years as a property adjuster and GC
Jaleesa Coker
Disaster recovery specialist
Heather Robson-Jones
Disaster Recovery Specialist,
former disaster case manager
Pete Gaynor
Advisor,
former FEMA administrator
Bill Cullen
Advisor,
Marshall Fire survivor
Erik Person
chief technology officer
Caroline Williamson
Product manager
FAQ
Frequently Asked
Questions
Frequently Asked
Questions
What does Bright Harbor help with besides insurance?
Bright Harbor assists with private grants, mortgage deferment, temporary housing, FEMA and SBA programs, property tax reassessment, and critical government deadlines. We provide vendor access for contents inventory, environmental testing, and document recovery—everything needed to rebuild.
Who are Bright Harbor specialists?
Our specialists come from diverse recovery backgrounds, including nonprofit case management, public and carrier adjustment, and disaster operations. They receive specialized training and have access to subject-matter experts.
Can Bright Harbor help me if I am uninsured?
Yes! Our specialists have years of experience helping uninsured survivors navigate options like FEMA, SBA, and grants. We can help you discover, access, and maximize these resources.
Can Bright Harbor help me if I have insurance?
Absolutely! Our specialists have deep expertise in the insurance claims process and can help you understand and navigate it successfully. They also understand how government programs like FEMA, SBA, and grants interact with insurance. Note: we cannot interpret your insurance policy or coverage.
Can a Bright Harbor specialist review my insurance
settlement with me?
We can help you understand the insurance process and what your settlement means. However, we cannot interpret your policy or coverages, negotiate your settlement, or provide legal advice on whether you should accept it.
Are Bright Harbor specialists public adjusters?
No we're not and we don't charge a percentage of the claim with the misaligned incentives that creates.
Are Bright Harbor specialists lawyers?
No we're not and we don't charge a percentage of the claim with the misaligned incentives that creates.
What does Bright Harbor help with besides insurance?
Bright Harbor assists with private grants, mortgage deferment, temporary housing, FEMA and SBA programs, property tax reassessment, and critical government deadlines. We provide vendor access for contents inventory, environmental testing, and document recovery—everything needed to rebuild.
Who are Bright Harbor specialists?
Our specialists come from diverse recovery backgrounds, including nonprofit case management, public and carrier adjustment, and disaster operations. They receive specialized training and have access to subject-matter experts.
Can Bright Harbor help me if I am uninsured?
Yes! Our specialists have years of experience helping uninsured survivors navigate options like FEMA, SBA, and grants. We can help you discover, access, and maximize these resources.
Can Bright Harbor help me if I have insurance?
Absolutely! Our specialists have deep expertise in the insurance claims process and can help you understand and navigate it successfully. They also understand how government programs like FEMA, SBA, and grants interact with insurance. Note: we cannot interpret your insurance policy or coverage.
Can a Bright Harbor specialist review my insurance
settlement with me?
We can help you understand the insurance process and what your settlement means. However, we cannot interpret your policy or coverages, negotiate your settlement, or provide legal advice on whether you should accept it.
Are Bright Harbor specialists public adjusters?
No we're not and we don't charge a percentage of the claim with the misaligned incentives that creates.
Are Bright Harbor specialists lawyers?
No we're not and we don't charge a percentage of the claim with the misaligned incentives that creates.
What does Bright Harbor help with besides insurance?
Bright Harbor assists with private grants, mortgage deferment, temporary housing, FEMA and SBA programs, property tax reassessment, and critical government deadlines. We provide vendor access for contents inventory, environmental testing, and document recovery—everything needed to rebuild.
Who are Bright Harbor specialists?
Our specialists come from diverse recovery backgrounds, including nonprofit case management, public and carrier adjustment, and disaster operations. They receive specialized training and have access to subject-matter experts.
Can Bright Harbor help me if I am uninsured?
Yes! Our specialists have years of experience helping uninsured survivors navigate options like FEMA, SBA, and grants. We can help you discover, access, and maximize these resources.
Can Bright Harbor help me if I have insurance?
Absolutely! Our specialists have deep expertise in the insurance claims process and can help you understand and navigate it successfully. They also understand how government programs like FEMA, SBA, and grants interact with insurance. Note: we cannot interpret your insurance policy or coverage.
Can a Bright Harbor specialist review
my insurance settlement with me?
We can help you understand the insurance process and what your settlement means. However, we cannot interpret your policy or coverages, negotiate your settlement, or provide legal advice on whether you should accept it.
Are Bright Harbor specialists public adjusters?
No we're not and we don't charge a percentage of the claim with the misaligned incentives that creates.
Are Bright Harbor specialists
lawyers?
No we're not and we don't charge a percentage of the claim with the misaligned incentives that creates.
