Residential Property Claims
From the first photo to the final payment, we help owners of houses, condos, and rental homes build a claim their policy supports.
What We Look For
A residential claim has many parts. We review each one against your policy.
Dwelling
The structure of the home, including built-in systems.
Personal property
Furniture, electronics, clothing, and other contents.
Other structures
Detached garages, fences, and sheds.
Loss of use
Additional Living Expenses while the home is unlivable.
Policy review
Coverages, limits, deductibles, and endorsements.
Code upgrades
Code-required upgrades during repairs, if your policy covers them.
Estimate review
The insurer estimate, line by line.
Settlement
How the payment is calculated, including depreciation and holdbacks.
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Get everyone safe. Move to a safe place and call emergency services if needed.
Report the loss. Tell your insurer, and write down your claim number and the adjuster's name.
Document everything. Take photos and video of the damage before cleanup, where it is safe to do so.
Protect the property. Limit further damage if you can, and keep the receipts.
Save every receipt. Hotels, meals, and temporary needs may be covered.
Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.
Residential Claim Questions
What Does A Homeowners Policy Usually Cover?
Most cover the structure, other structures, personal property, and loss of use, subject to limits and exclusions. Your policy is the final word.
Do You Handle Condo And Rental Claims?
We can review condo, townhome, and landlord policies. Coverage differs, so we start with your policy.
What Does A Free Claim Review Include?
A review of your policy, claim documents, and the damage, so you know where you stand.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Residential Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Claims We Handle
Fire Damage
Structural fire loss, documented room by room.
Learn More about Fire Damage
Water Damage
Leaks, appliance failures, and flooding, with full drying and repair scopes.
Learn More about Water Damage
Storm Damage
Lightning, rain intrusion, and broad damage from severe storms.
Learn More about Storm Damage