Property Claim Document Checklist

Gather what you have.
Note what is missing.

You do not need a perfect file to begin asking questions. Use this checklist to organize existing information and identify what you may want to discuss with your insurer or a verified professional.

These are preparation prompts, not claim-filing instructions, a deadline calendar, or a determination of coverage.

Your starting pointWrite down what happened and the approximate dates, distinguishing observations from assumptions.Your policyLocate the policy and declarations page, if available. Keep account and policy numbers private.Your claim detailsIf a claim is open, gather the claim number and insurer contact information for your own records.Photos and videoKeep original, safely obtained images and note when they were taken. Do not enter an unsafe area for documentation.Reports and estimatesGather existing professional assessments, repair estimates, and relevant invoices.Affected belongingsCreate a working list of affected items and the descriptions or purchase information you already have.ReceiptsKeep relevant expense and temporary-work receipts, without assuming reimbursement.CorrespondenceOrganize insurer messages, written decisions, and requests for information in date order.Your questionsList the two or three things you most want to understand, including any concerns about timing or the next step.

Before you engage anyone.

Verify the individual and business licensing, understand who they represent, and review the proposed scope and fees in a written agreement. Ask for an explanation of anything unclear. Do not choose a provider based on a guaranteed claim result.

A clearer conversation
starts with a simple list.

Gather what you have.
Note what is missing.

Before you engage anyone.

Start with your questions.

Your privacy

A clearer conversationstarts with a simple list.

Gather what you have.Note what is missing.

Before you engage anyone.

Start with your questions.

A clearer conversation
starts with a simple list.

Gather what you have.
Note what is missing.