Claim guides
Written for policyholders in the middle of a claim, not lawyers. General information — your policy and state rules control.
Fire is covered even when the heater was yours — the fire report, smoke damage, ALE and the documentation that closes the claim.
The sudden-vs-gradual trap, why the tank itself isn't covered, and the first-hours documentation that gets the claim paid.
Document, protect, meet the adjuster, race the paperwork — a step-by-step plan for the month after landfall.
Documenting from the ground, AOB traps, repair vs replace, roof depreciation — the most disputed claim, handled.
Hotel, meals, laundry, mileage — what Loss of Use coverage pays, and why receipts decide everything.
Depreciation, recoverable depreciation, deadlines — how to collect the second half of your payout.
The realistic stage-by-stage timeline, what's a normal delay vs a stall, and what actually speeds claims up.
What ~10% of your payout buys, the free escalation ladder to try first, and the red flags.
The first 24 hours, what adjusters need, ACV vs RCV, and the neglect denials that sink frozen-pipe claims.
What's covered vs excluded, documenting interior stains and roof photos, safety, estimates and timeline.
Before the disaster: home inventory & first-48-hours guides from ItemVault, our companion app.