Claim guides

Written for policyholders in the middle of a claim, not lawyers. General information — your policy and state rules control.

Hurricane claim: the first 30 days

Document, protect, meet the adjuster, race the paperwork — a step-by-step plan for the month after landfall.
Roof damage claim after a storm

Documenting from the ground, AOB traps, repair vs replace, roof depreciation — the most disputed claim, handled.
ALE: the insurance money families forget to collect

Hotel, meals, laundry, mileage — what Loss of Use coverage pays, and why receipts decide everything.
RCV vs ACV: why your first check is smaller

Depreciation, recoverable depreciation, deadlines — how to collect the second half of your payout.
How long does a home insurance claim take?

The realistic stage-by-stage timeline, what's a normal delay vs a stall, and what actually speeds claims up.
When to hire a public adjuster (and when not to)

What ~10% of your payout buys, the free escalation ladder to try first, and the red flags.

Before the disaster: home inventory & first-48-hours guides from ItemVault, our companion app.