What to Do After Property Damage
When disaster strikes, knowing what to do immediately can make a significant difference in your insurance claim outcome. Follow this step-by-step checklist to protect your property and maximize your claim.
Immediate Actions (First 24 Hours)
- Ensure Safety First
Evacuate if necessary and check for hazards like gas leaks, electrical issues, or structural damage. Call emergency services if needed.
- Contact Your Insurance Company
Report the damage as soon as possible. Have your policy number ready and provide basic details about what happened.
- Prevent Further Damage
Take reasonable steps to protect your property from additional damage (e.g., cover broken windows, tarp roof leaks, turn off water). Save all receipts for emergency repairs.
- Document Everything
Take photos and videos of all damage from multiple angles. Don't clean up or throw anything away until you've documented it thoroughly.
Within the First Week
- Create a Detailed Inventory
List all damaged items with descriptions, approximate age, and purchase price if known. Include model numbers and serial numbers when possible.
- Gather Supporting Documentation
Collect receipts, warranties, appraisals, and any other proof of ownership or value for damaged items.
- Keep Detailed Records
Document all communications with your insurance company, including dates, times, names of representatives, and what was discussed.
- Consider Hiring a Public Adjuster
A public adjuster works for you, not the insurance company, and can help ensure you receive the maximum settlement you're entitled to.
During the Claims Process
- Meet with the Insurance Adjuster
Be present during the inspection. Point out all damage and provide your documentation. Consider having your public adjuster present.
- Review the Settlement Offer Carefully
Don't rush to accept the first offer. Compare it against your documentation and get repair estimates from licensed contractors.
- Get Multiple Repair Estimates
Obtain at least 2-3 estimates from licensed, insured contractors. This helps ensure the settlement amount is adequate.
- Don't Sign Away Your Rights
Be cautious about signing releases or final settlement agreements until you're certain all damage has been discovered and properly valued.
Important Don'ts
- Don't throw away damaged items until your claim is settled
- Don't make permanent repairs before the adjuster inspects (except emergency repairs to prevent further damage)
- Don't accept a settlement that seems too low without getting a second opinion
- Don't miss deadlines for filing claims or appeals
- Don't provide recorded statements without understanding your rights