Property Damage Claim Checklist
Homeowner Claim Checklist
What to do after property damage before important details get missed.
Storm, roof, water, fire, and interior damage can move quickly. The goal is not to become your own adjuster. The goal is to protect the information that matters, understand what the insurance company is looking at, and avoid accepting an answer that does not explain how the home gets repaired.
Before you file or accept the first estimate
- Write down the date you first noticed the damage and the date of the storm, leak, fire, or event if you know it.
- Save photos, videos, cleanup or drying invoices, contractor notes, and every letter or estimate from the insurance company.
- Do not focus only on the check amount. Review what work is being paid for and what appears to be missing.
- Look for missing rooms, trades, materials, measurements, detach/reset work, painting, matching, code issues, and depreciation.
- Ask whether the policy language, exclusions, limits, deductible, and replacement-cost rules are being applied correctly.
Signs the claim needs a closer look
- The first inspection only allowed a small repair, but contractors say the proposed repair will not solve the problem.
- The insurance estimate is much lower than the repair bids.
- The insurance company says wear and tear, age, maintenance, long-term seepage, or cosmetic damage caused the problem.
- The payment covers cleanup but not the work needed to put the home back together.
- The claim is delayed, denied, reopened, closed, or confusing.
What Covenant reviews
Covenant Claim Group reviews the damage details, policy issues, insurance estimate, needed repairs, payment calculation, and claim status. That gives the homeowner a clearer view of what may be missing and what to do next.
Not sure whether the claim is on track? Use the form below or call/text 470-676-4008.