Ensure everyone's safety and contact emergency services if needed. For crimes like theft or vandalism, file a police report and get a copy. Document the damage with photos, videos, and a list of affected items – this will be crucial when filing your insurance claim. Then, contact a public adjuster for a professional inspection to assess the damage and guide you on your insurance coverage.

After documenting the damage, make temporary repairs to prevent further issues, such as covering broken windows or tarping a damaged roof. Keep all receipts for these repairs, as they may be reimbursable. Avoid making permanent repairs until after an adjuster has assessed the damage. If the damage involves significant debris or unsanitary conditions, consult your public adjuster before cleaning out to ensure nothing crucial is removed that could impact your claim.

Contact your insurance company as soon as possible to report the damage. Depending on your insurer, you can typically submit claims online, through an app, via your agent, or by phone. To ensure the process is handled accurately and in your best interest, consider working with a public adjuster who can assist in documenting damages, communicating with the insurer, and maximizing your claim.

A public adjuster can guide you through the process, ensuring you provide all the necessary information to support your claim. When filing, you'll need to have:

• Your policy number.
• Date and time of the incident.
• Detailed description of the damage.
• Photos and videos documenting the damage.
• Police report number (if applicable).
• Receipts or estimates for repairs.

Several factors influence the timeline, including the complexity of the damage, your insurer’s responsiveness, and the availability of contractors and supplies—particularly after natural disasters. Simple claims may take a few weeks, while more complex cases can take several months. Providing thorough documentation and working with a public adjuster can help speed up the process.

Yes, retain all damaged items until the adjuster has inspected them to accurately assess the extent of the damage and ensure appropriate compensation. If items are unsanitary or pose health risks document them thoroughly with photos and videos before disposal. Consult your public adjuster before discarding any items to confirm that proper documentation is sufficient for your claim.

Review your homeowners insurance policy, focusing on sections detailing covered perils and exclusions. Coverage details can typically be found in the declarations page and the policy booklet. If you need assistance interpreting your policy, we offer free policy reviews to help you understand your coverage.

Yes, if you believe your claim was wrongfully denied or underpaid, you can appeal the decision. Start by reviewing your policy and the denial letter to understand the reasons for the denial. Then, gather additional evidence to support your claim and submit a written appeal to your insurer. Consulting with a public adjuster or an attorney can significantly strengthen your case and better your experience. Our lawyers help guide you through the appeals process, fighting for your rights and maximizing your chances of a favorable outcome.