Why documentation decides so much
Adjusters work from evidence. A claim file with clear before-cleanup photos, the failed part, dates and an inventory is easier to review than one that relies on memory. The Insurance Information Institute's claims advice comes down to the same few steps: report the loss promptly, document the damage, make only reasonable temporary repairs to prevent further damage, and keep receipts and damaged items until the adjuster has seen them.
The problem is that the right details differ by loss. A fire claim needs a fire department report and a record of smoke odor in clothing. A flood claim under the National Flood Insurance Program has its own rules, including a signed proof of loss due within 60 days of the flood unless your insurer extends it. A mold claim often turns on what caused the moisture and when. This builder gives you only the items that fit your situation.
Four habits that help any claim
- Photograph first, clean second. Wide shots of each room, then close-ups. Video walk-throughs with narration help too.
- Keep the evidence. The split supply line, the failed water heater valve, a swatch of the ruined carpet.
- Write a timeline. When the problem started, when you found it, when you shut off the water or power, and who you called.
- Get it in writing. Ask any provider for a written scope, photos of removed materials and, for water losses, moisture readings.
Homeowners versus flood coverage
Most standard homeowners policies cover sudden, accidental water such as a burst pipe, and usually do not cover flooding from a creek or surface water. That generally needs a separate NFIP or private flood policy. Sewer and drain backups are often covered only with a specific endorsement. The builder flags these differences, but only your policy and adjuster can say what is covered.
What this tool will not do
It does not decide coverage, estimate a payout or file anything for you. Nothing you choose is saved or sent. When you are done, print the list or save it as a PDF and keep it with your claim notes.
If you need help documenting and drying out, call (484) 293-9520 any hour or send the short form. A local restoration provider may contact you, and providers typically supply photos, a written scope and readings that support your file.