Claims resource center

Everything you need to know about property damage claims.

Free guides, checklists, and articles to help homeowners navigate the insurance claims process with confidence.

Getting started5 min read

What to do in the first 48 hours after property damage

The actions you take immediately after a loss can make or break your claim. Here's a step-by-step checklist for the critical first two days.

Documentation7 min read

Insurance adjusters are trained to minimize payouts. Learn how to photograph, catalog, and preserve evidence so your claim is airtight.

Policy8 min read

Coverage limits, exclusions, deductibles, ACV vs. RCV — we break down the terms your insurer counts on you not understanding.

Adjusters6 min read

Adjusters work for the insurance company, not for you. Learn the tactics they use and how to protect yourself during the inspection.

Settlements6 min read

Most first offers are far below what you're owed. Here's how to evaluate an offer, calculate your actual damages, and counter effectively.

Appeals9 min read

A denial is not the end of the road. Learn the most common reasons claims are denied and how to file a successful appeal.

Print these out and keep them handy throughout your claims process.

Everything you need to do immediately after property damage occurs.

A room-by-room guide to photographing damage for your claim.

What to bring, what to say, and what to avoid when meeting your adjuster.

Our 66-page PDF guide covers every stage of the claims process — from filing to final settlement — in one easy-to-follow resource.