Coverage Gap Audit™
Protect What
Matters Most
A free, expert review of your current coverage — uncovering hidden risks, missing protections, and costly gaps.
No obligation. No pressure. Just clarity.
The Audit
Most People Don't Have
Bad Insurance —
They Have Incomplete Insurance
You might think you're covered. But without a proper audit, you could be one claim away from discovering a gap that costs you everything.
Low liability limits that leave you exposed
Missing endorsements you didn't know you needed
Outdated coverage that hasn't kept up with your life
No proper review — because no one ever looked
What's Included
Your Coverage Gap
Audit™ Includes
Coverage Breakdown
A clear breakdown of your current coverage — what's working and what's not.
Hidden Risk Identification
Identification of hidden risks and blind spots that could leave you exposed.
Personalized Recommendations
Tailored recommendations based on your unique situation, priorities, and goals.
Smarter Policy Structure
A smarter way to structure your policy so everything works together.
How It Works
Simple. Seamless.
Connect Your Policy
Securely link your current coverage through Canopy Connect — encrypted, private, and instant.
We Run Your Audit
Your coverage is reviewed for gaps, risks, and missed opportunities.
Receive Your Report
A clear, jargon-free breakdown of what's covered, what's not, and what it means for you.
Review It Together
A one-on-one consultation to walk through every finding and answer your questions.
Rebuild If Needed
If there are gaps, we help you find better coverage — often at a better price.
Meet Your Insurance Bestie
Hi, I'm Melinda
I'm a people person who believes in turning handshakes into hugs. With 13 years in the insurance industry, I've helped hundreds of families protect what matters most.
My philosophy is simple: educate before everything. I believe when you truly understand your coverage, you make better decisions — and that's what the Coverage Gap Audit™ is all about.
I'm here to help you see what's working, what's missing, and what it all means for your family. No jargon. No pressure. Just honest guidance from someone who genuinely cares.
That's what makes us besties.
Get Started
Let's Find Out What
Your Policy Is Missing
Connect your current policy securely below to start your Coverage Gap Audit™. It takes less than 60 seconds.
Get In Touch
Let's Get You Covered
the Right Way
"Friends don't let friends have coverage gaps."
Ready to Have an Insurance
Bestie in Your Corner?
You're not just getting a review — you're getting someone who's got you.
Important Disclosure
Advisory Disclaimer
For Educational and Informational Purposes Only. The Coverage Gap Audit™ and all content, recommendations, and materials provided through this website are intended solely for general educational and informational purposes. Nothing on this website constitutes, or is intended to constitute, the sale, solicitation, or negotiation of insurance, nor does it constitute insurance advice, legal advice, financial advice, or any other form of professional counsel.
Not Acting as a Licensed Insurance Agent or Broker. Melinda Quiroz, in connection with the Coverage Gap Audit™, is acting in an advisory and educational capacity only. The services provided through this website do not represent the actions of a licensed insurance agent, broker, or adjuster transacting the business of insurance as defined under the Texas Insurance Code. Any observations, findings, or suggestions resulting from the Coverage Gap Audit™ are general in nature and should not be construed as a binding recommendation to purchase, cancel, modify, or retain any specific insurance policy or coverage.
No Guarantee of Coverage or Outcome. The information and recommendations provided are based on a general review of your submitted policy information and do not constitute a guarantee of coverage, insurability, pricing, or claims outcome. Insurance policies contain specific terms, conditions, exclusions, and limitations that govern coverage. Coverage determinations are made solely by the issuing insurance carrier based on the specific facts and policy language at the time of a claim.
Consult Your Policy and Qualified Professionals. You are encouraged to read your insurance policy in its entirety and consult directly with a licensed insurance professional, attorney, or financial advisor before making any decisions regarding your insurance coverage. This review does not replace the need to consult the actual policy language, declarations page, and endorsements issued by your carrier.
No Liability. To the fullest extent permitted by law, Melinda Quiroz, Melinda Quiroz & Co. LLC, and any affiliated parties disclaim all liability for any loss, damage, cost, or expense (including but not limited to direct, indirect, incidental, or consequential damages) arising from or related to your reliance on any information, recommendation, or material provided through this website or the Coverage Gap Audit™ process.
State of Texas. This disclaimer is governed by and construed in accordance with the laws of the State of Texas. By using this website and its services, you acknowledge that you have read, understood, and agree to the terms of this disclaimer.