Homeowner Damage Claims Guide

Filing a homeowner damage claim doesn’t have to be stressful. Use this step-by-step guide to navigate the process efficiently and maximize your settlement.

Assess and Document Damage

• Photograph every damaged area.
• Make temporary repairs; save receipts.

Review Your Policy

Check deductibles, covered perils, and excluded events.

Contact Your Insurer

Call claims line; provide your policy number and damage summary.

Meet the Adjuster

• Walk the property together.
• Present documentation.
• Clarify scope of repairs.

Review the Estimate

Compare contractor bids to adjuster’s estimate; negotiate differences.

Settlement and Payment

Understand your settlement: initial vs final checks, ACV vs replacement cost.

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