Resources
Helpful information for policyholders.
A checklist for the first days after a loss, plain-English insurance terms, and answers to common questions.
After-a-loss checklist
1
Protect people and property
- Make sure everyone is safe
- Stop the source of damage if you safely can
- Make temporary repairs to prevent further damage (tarps, boarding, water shutoff)
- Keep receipts for every emergency expense
2
Document everything
- Take photos and video before cleanup
- Photograph serial numbers and labels on damaged items
- Keep damaged materials until the insurer has inspected
- Write down the date, time, and how the damage happened
3
Work the claim carefully
- Report the claim promptly
- Request a complete copy of your policy, not just the declarations page
- Keep a log of every call, email, and visit
- Do not sign a release or accept a final offer until you understand it
Insurance terms, explained
- Declarations page
- The summary page of your policy listing your coverages, limits, and deductibles.
- Dwelling coverage
- Pays to repair or rebuild the structure of your home.
- Personal property
- Covers your belongings, such as furniture, clothing, and electronics.
- Additional living expenses (ALE)
- Covers extra costs of living elsewhere while your home is being repaired.
- Replacement cost vs. actual cash value
- Replacement cost pays to replace with new; actual cash value subtracts depreciation.
- Recoverable depreciation
- Money held back until repairs are completed, then paid if your policy allows.
- Proof of loss
- A sworn statement of what you are claiming. It often has a deadline.
- Ordinance or law
- Coverage for extra costs required to bring repairs up to current building codes.
Frequently asked questions
A public adjuster is a state-licensed insurance professional who represents the policyholder, not the insurance company, in a property damage claim. We review your policy and the insurer’s estimate, organize the evidence, present the claim, and negotiate the settlement on your behalf.
Before you accept the insurance company’s decision, get a second look.
A denial or a low estimate is not always the final word. Send us the details and we will let you know whether we can help, at no cost to you.