3 minute readClaims
Document first, then mitigate: photograph everything before cleanup, cover openings to prevent further damage, keep receipts for emergency work, save damaged materials for the adjuster, and file the claim promptly. Do not sign contractor paperwork that assigns your claim benefits before you understand it.
What you need to know
Before cleanup
Wide shots and close-ups of every affected area, plus video walking the property.
Emergency mitigation
Tarps, board-up, and water extraction are usually reimbursable and are expected of you.
Contractor caution
Be careful with assignment-of-benefits agreements and door-to-door repair offers after a storm.
Common mistakes
- Cleaning up or repairing before documenting the damage.
- Delaying the report on anything involving injuries or another party.
- Filing small claims that cost more in renewal pricing than they pay.
- Accepting a denial without asking for the specific policy language.
- Signing contractor paperwork assigning claim benefits without reading it.
When to talk to an agent
Call before you file if you can. We will tell you how the loss is likely to be handled, what to document, and whether filing makes sense — and we stay involved once the claim is open.
Frequently asked
This article is general information, not a policy or a promise of coverage. What your policy pays depends on its specific terms, limits and exclusions. Ask us to review your actual policy before making a decision.