Free Homeowner Reference Guide

The Claim Survival Guide

20 things every homeowner should know before, during, and after a property claim.

A property loss drops you into a process you never asked to learn. This guide is ordered the way a claim actually unfolds, from the first hour after the damage to the deadlines that close a claim for good. Get the printable PDF.

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What is inside

20 steps, in the order a claim actually happens

Five phases, four steps each, from the first hour after the loss to the deadline that closes your claim for good.

01–04

The First Hours

Immediate response: slow down, get your family settled, document before cleanup.

05–08

Know Your Position

Preparation: read your full policy, bring in your own professionals early.

09–12

Take Control

Engagement: track everything, do not ask permission, know the actual policy language.

13–16

Press Your Case

Negotiation: the power questions, RCV vs. ACV, bids before you settle.

17–20

Close It Out

Resolution: appraisal, getting promises in writing, your state deadline to sue.

Property Damage Claim Dispute Resolution

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Read it once, in order, then keep it nearby. If you are already stuck, we are a call away.

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