Claims
Home Insurance Claim Checklist: First 72 Hours
Protect people, prevent additional damage and create an organized claim record.
A calm sequence of safety, mitigation, notice and documentation can reduce confusion after a loss.
Key takeaways
- Safety and reasonable mitigation come first.
- Keep a dated claim log.
- Understand every document before signing.
Safety before property
Call emergency services when needed and do not enter an unsafe structure. Shut off utilities only if safe and authorized. Arrange temporary shelter for people and pets.
Prevent further damage
Take reasonable temporary steps such as covering an opening or extracting clean water, but do not make permanent repairs before documentation and insurer guidance. Keep damaged property when safe and practical.
Create the record
Photograph wide views and details, record dates, save receipts and keep a communication log. Ask for claim number, adjuster details, deductible and instructions. Request written explanations for estimates and decisions.
Avoid rushed commitments
Emergency conditions can attract aggressive solicitation. Verify contractors, understand contracts and do not sign assignments or broad payment directions without advice. Public adjuster rules vary by state.
What to do next
Use our calculators for an initial planning range, then collect property-specific information and written local quotes. For insurance decisions, consult a licensed insurance professional and the complete policy.