Post-Disaster Recovery Tool
Insurance Claim Step-by-Step Helper
Don't leave money on the table. Follow these expert steps to maximize your insurance payout.
$7,000 - $15,000
Average Payout
30-60 days
Typical Timeline
Step-by-Step Process
1
Stop the source
⏱ ImmediatelyTurn off main water valve. Stop the damage from getting worse.
Pro tip: Your policy requires you to 'mitigate' damage. If you don't stop the source, they can deny the claim.
2
Document everything
⏱ Within 1 hourTake photos and video of ALL damage before cleaning anything up. Include wide shots and close-ups.
Pro tip: Use your phone's timestamp. Take a video walkthrough narrating the damage.
3
Call your insurance company
⏱ Within 24 hoursReport the claim. Get your claim number. Ask about emergency mitigation coverage.
Pro tip: Most policies cover emergency mitigation (water extraction, fans) even before the adjuster arrives.
4
Call a water damage restoration company
⏱ Same dayProfessional water extraction and drying prevents mold (which starts in 24-48 hours).
Pro tip: Your insurer may have preferred vendors, but you're NOT required to use them. Get your own quote too.
5
Make temporary repairs
⏱ 24-48 hoursPrevent further damage. Board up windows, tarp leaks, etc. Keep all receipts.
Pro tip: Keep EVERY receipt. Temporary repairs are covered. Don't make permanent repairs until the adjuster inspects.
6
Meet with the adjuster
⏱ 3-7 daysWalk them through all damage. Don't downplay anything. Show your documentation.
Pro tip: You can hire a public adjuster (they work for YOU, not the insurance company) for 10-15% of your payout.
7
Get repair estimates
⏱ 1-2 weeksGet 2-3 written estimates from licensed contractors. Include all necessary work.
Pro tip: Make sure estimates include everything: demolition, materials, labor, and code upgrades.
8
Review and negotiate the settlement
⏱ 2-4 weeksCompare the insurer's estimate to your contractor quotes. Negotiate differences.
Pro tip: If you disagree with the payout, you can invoke the 'appraisal clause' in your policy.
📄 Documents You'll Need
☐ Photos/video of all damage (timestamped)
☐ Proof of ownership (receipts, photos of items)
☐ Inventory of damaged items with estimated values
☐ Contractor repair estimates (2-3)
☐ Receipts for temporary repairs and emergency services
☐ Copy of your insurance policy
☐ Police report (if applicable)
🚫 Common Mistakes That Cost You Money
✗ Waiting too long to file (most policies require 'prompt' notice)
✗ Throwing away damaged items before the adjuster sees them
✗ Not documenting damage before cleanup
✗ Accepting the first offer without negotiating
✗ Not reading your policy's exclusions (flood is usually separate)
✗ Making permanent repairs before adjuster inspection