What to Expect When Filing a Homeowner’s Insurance Claim

Your Step-by-Step Guide to Navigating a Home Insurance Claim

Hi ,

When your home is damaged, acting quickly and getting expert support can save time, money, and stress. Here’s a clear breakdown of the claims process—and how we can assist you from the very beginning.

1. Stop Further Damage

• Take immediate steps to prevent additional damage: tarp roofs, shut off water, board up broken windows, etc.
• Document everything with photos/videos before making repairs.
• Save all receipts for emergency work—you may be reimbursed.
• We can dispatch vetted mitigation pros to help secure your property fast.

2. Contact Us First

Before reaching out to your insurer, call us.

We’ll walk you through what to do, answer your questions, and—when available—assign trusted mitigation experts and licensed claims adjusters directly to manage your claim.

3. File Your Claim

• If we’re handling the claim directly, we’ll take care of the paperwork.
• Otherwise, you’ll file with your insurance company online, by app, or phone.
• An adjuster will be assigned to inspect the damage.

4. Inspection & Estimate

• The adjuster (ours or theirs) evaluates the damage.
• We recommend having your contractor—or our team—present for fair results.
• You’ll receive a detailed estimate, minus your deductible.

5. Insurance Payment

• Initial funds may be released for emergency or partial repairs.
• Payments may list your mortgage lender and require their endorsement.
• Need more coverage? We’ll help file a supplement for any uncovered repairs.

6. Repairs & Final Payment

• Use licensed, insured contractors—we can recommend trusted partners.
• Submit final invoices to receive any remaining funds (e.g., recoverable depreciation).

✅ Reminder: We’re your first call in a crisis. From securing your home to working with the insurance company, we’re here to protect your interests—start to finish.

Want a printable checklist or help choosing a contractor? Just reply to this email—we’re ready to help 24/7.

To schedule a call, start with our contact form!