Before Disaster Strikes: Preparation
The best time to prepare for a claim is before you need to file one.
Document Everything
- Take photos/videos of your property annually
- Keep records of improvements and repairs
- Maintain a list of major building systems (HVAC, roof, plumbing) with installation dates
- Store copies off-site or in the cloud
Know Your Policy
- Understand your coverage limits and deductibles
- Know what's excluded
- Keep your policy and agent's contact information accessible
- Review your policy annually
When Disaster Happens: Immediate Steps
1. Ensure Safety First
- Evacuate if necessary
- Don't enter damaged structures until cleared
- Contact emergency services if needed
2. Prevent Further Damage
You have a duty to mitigate further damage. This might include:
- Boarding up broken windows
- Covering roof holes with tarps
- Turning off water if pipes are damaged
- Securing the property
Important: Keep all receipts for emergency repairs. These are typically reimbursable.
3. Document the Damage
Before cleanup begins:
- Take extensive photos and videos
- Make a detailed list of all damage
- Note the date and time damage occurred
- Keep damaged items if possible (or photograph them before disposal)
Filing Your Claim
4. Contact Your Insurance Company
- Report the claim as soon as possible
- Get a claim number
- Ask about advance payments for emergency expenses
- Request a copy of your policy if you don't have one
5. Work with the Adjuster
The insurance company will send an adjuster to assess damage:
- Be present during the inspection
- Point out all damage — don't assume they'll find everything
- Provide your documentation
- Get their contact information for follow-up
6. Get Repair Estimates
- Obtain 2-3 estimates from licensed contractors
- Ensure estimates are detailed and itemized
- Include all damage, not just obvious issues
- Keep copies of all estimates
After Filing: Managing the Process
7. Keep Detailed Records
- Log all conversations with your insurer
- Save all emails and correspondence
- Track all expenses related to the claim
- Note dates and names of everyone you speak with
8. Review the Settlement Offer
When you receive a settlement offer:
- Compare it to your repair estimates
- Check that all damage is included
- Understand what's being paid (replacement cost vs. actual cash value)
- Don't sign a release until you're satisfied
9. Negotiate If Necessary
If the offer seems low:
- Provide additional documentation
- Get a second opinion from a public adjuster
- Request a re-inspection
- Put disputes in writing
Common Claim Pitfalls
Don't:
- Sign anything without reading it carefully
- Accept the first offer if it seems inadequate
- Make permanent repairs before documentation
- Dispose of damaged items too quickly
- Miss deadlines for filing or responding
Do:
- Communicate in writing when possible
- Keep copies of everything
- Follow up regularly
- Ask questions if anything is unclear
- Consider hiring a public adjuster for large claims
When to Get Help
Consider professional help if:
- The claim is large or complex
- You're having disputes with your insurer
- You don't have time to manage the process
- The damage involves multiple coverage types
Public adjusters work on your behalf (not the insurance company's) and typically charge 10-15% of the settlement.
Need help with a claim? Contact us — we advocate for our clients throughout the claims process.