Claim-day checklist
Claim day, step by step
What to do before, during and after the adjuster's visit. Your insurer decides what is covered; this helps you show what happened.
Take photos before anything is moved, covered or thrown away. If water is coming in, cover it, then photograph the cover. A phone is enough.
We are a contractor, not a public adjuster. We don't negotiate your claim. We write the scope of work, which you can give to your insurer.
The checklist
Three moments, fourteen things
Before the adjuster
Stay on the ground; never climb a damaged roof
Photograph each roof slope from the yard
Photograph every window, door and wet wall
Turn off power to wet rooms if it is safe
Call the tarp line to cover any opening
While the adjuster is here
Walk the house with them, room by room
Show the tarp and the photos of what is under it
Ask which items they want to see kept
Ask for the claim number and their direct line
Ask us to come along if you want
After they leave
Write down what they said, with the date
Keep every receipt for tarps, hotels and food
Send us the adjuster's report when you get it
We write the scope and estimate line by line
Questions
About claim day
Do I have to be home?
It helps. The adjuster has questions only you can answer. If you can't be there, tell us and we can let them in.
What if the adjuster comes before the tarp?
Fine. Photos are what count. Don't wait for the visit to cover the opening, because more rain makes more damage.
Can you talk to my insurer for me?
We can answer an adjuster's questions about the work. Your claim itself stays with you.
What if the numbers don't match?
Insurers and contractors often differ. We show you which lines differ and why, so you can take it up with your adjuster.
Adjuster coming tomorrow?
Call the tarp line and we'll go through the list with you.