What You Need to Know About Insurance with Harold & Charles Dickens

On this powerful BWAARP edition of Urban Family Focus—our Black Wealth Attainment & Retention Program—we're diving deep into a critical topic that too often gets overlooked: insurance. Our guest, Harold W. Dickens II, is the Owner of HWD Adjusting Company and a Public Insurance Adjuster with over 30 years of experience. Harold is a trusted advocate for homeowners and business owners, helping them recover what they’re rightfully owed. Unlike insurance companies, he works for the policyholder. A former licensed general contractor, expert witness, and insurance consultant, Harold brings unmatched knowledge, real-world insight, and a passion for empowering our community. He also serves as Board Chair of the L.A. Southwest College Foundation and has been a leader in several civic and professional organizations including PCAPIA, NAPIA, GLAAACC, and local Black Chambers of Commerce. Harold broke down 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 claims — from fire and water damage to business interruption. Plus, he brought along his brother, 𝗖𝗵𝗮𝗿𝗹𝗲𝘀 𝗗𝗶𝗰𝗸𝗲𝗻𝘀, which they are commonly referred to as, 𝘛𝘩𝘦 𝘋𝘪𝘤𝘬𝘦𝘯𝘴 𝘉𝘳𝘰𝘵𝘩𝘦𝘳𝘴, who shared valuable insights on navigating the insurance process. This episode is a must-listen if you own property, run a business, or simply want to protect your assets and build generational wealth. Whether you're tuning in for insights, solutions, or a dose of motivation, The Urban Family Focus Podcast is your destination for meaningful talk that matters. Subscribe today and be part of the movement to uplift, educate, and transform our future—one conversation at a time. Rev. Jerrold Smith is a Life Coach, Addiction Counselor, and seasoned media professional dedicated to uplifting urban families through faith, wellness, and empowerment. As host of Urban Family Focus, Rev. Jerrold brings decades of experience in community leadership, marketing, and ministry to the mic—offering real conversations, expert insight, and inspiring stories that spark meaningful change. His mission is simple: to amplify voices that matter and build stronger, healthier communities—one episode at a time. 🎙️www.UrbanFamilyFocus.com 🎙️https://www.instagram.com/urbanfamfocus/ 🎙️https://www.facebook.com/UrbanFamilyFocus 🎙️https://x.com/UrbanFam_Focus