What to Do Immediately After Property Damage A Step-by-Step Guide

Dealing with property damage is never easy. Whether it’s caused by a storm, fire, flooding, or even a burst pipe, the immediate aftermath can feel overwhelming. However, how you respond in the first hours and days after the damage can significantly affect your insurance claim and recovery process.

To help you navigate this difficult time, we’ve put together a step-by-step guide to ensure you take the right actions from the very beginning. Follow these steps to minimize further damage, protect your property, and maximize your insurance recovery.

1. Ensure Safety First

Before doing anything, make sure you and your family are safe. If the damage is caused by fire, flooding, or another hazard, evacuate the property immediately. Don’t take any risks that could put your safety in jeopardy.

If you smell gas or suspect a leak, turn off the gas supply and evacuate.
If the structure is compromised, such as roof damage or walls cracking, leave the premises to avoid potential collapse.
Call emergency services if necessary.

Tip: Your health and safety come first everything else can be handled after you’re safe.

2. Contact Your Insurance Company

Once you’re safe, contact your insurance company to report the damage. This starts the claims process, and the sooner you report it, the better.

Have your policy number ready and provide a brief description of the damage.
Ask about the next steps and how soon an adjuster can inspect the property.
Inquire about your deductible and any temporary accommodations or coverage for living expenses, if applicable.

Tip: Make sure you understand any time limitations for filing claims some policies require claims to be filed within a specific window.

3. Document the Damage

Proper documentation is crucial to ensure you receive the maximum payout. As soon as it’s safe, begin documenting the damage.

Take photos and videos of everything don’t leave anything out. Capture wide shots of rooms, close-ups of specific damage, and any belongings that were destroyed or damaged.
Make a list of damaged items, including the brand, model, and condition before the damage.
If possible, keep receipts, warranties, and any documents related to the damaged items.

Tip: The more detailed and comprehensive your documentation, the stronger your claim will be.

4. Prevent Further Damage

Insurance policies often require you to mitigate further damage. For example, if your roof is leaking, cover it with a tarp or board up windows to prevent additional water intrusion.

Take temporary action to minimize damage, such as turning off the water supply or covering holes.
Keep receipts for any temporary repairs or materials you purchase. These expenses can often be reimbursed under your policy.

Note: Don’t start permanent repairs until after your insurance adjuster has inspected the damage, as doing so could impact your claim.

5. Make an Inventory of Damaged Property

After you’ve documented the damage, it’s important to list everything that’s been damaged or destroyed. This list will help you keep track of what needs to be replaced and will be required for your claim.

Include important details for each item, such as make, model, serial number, and value.
For expensive items like electronics, jewelry, or appliances, keep original receipts or proof of purchase if possible.
Check your local area for any salvageable items or debris that could affect your insurance coverage.

Tip: A clear inventory ensures you don’t forget anything important when working with your insurance company.

6. Contact a Public Adjuster (Optional, but Recommended)

Navigating the claims process can be tricky, especially when it comes to understanding your insurance policy or negotiating the settlement offer. If you feel unsure, consider hiring a public adjuster.

Public adjusters are experts in insurance claims and work on your behalf to maximize your payout.
They’ll help interpret your policy, assess damage thoroughly, and handle negotiations with your insurer.

Tip: Hiring a public adjuster early in the process can lead to higher payouts and a smoother claims experience.

7. File Your Claim

Once you’ve gathered all your documentation, it’s time to file your claim. Follow the insurance company’s instructions carefully to ensure everything is in order.

Be prepared to provide the documentation you’ve collected, including photos, inventory lists, and any receipts for temporary repairs.
Make sure to stay organized and keep a record of all communication with the insurance company.

Tip: Double-check your claim before submission to ensure it’s complete and accurate.

8. Keep Detailed Records

Throughout the entire claims process, it’s essential to keep thorough records of all actions taken. This includes communication with the insurance company, repair estimates, and any expenses you incur.

Log dates and times of phone calls or emails with the insurance company.
Save all receipts for repairs, temporary accommodations, or additional expenses related to the damage.

Tip: These records will be useful in case of any disputes or delays in the claims process.

9. Review Your Claim Settlement

Once your claim is processed, your insurer will provide a settlement offer. Take the time to review the offer carefully to ensure it covers all damages.

Compare it with your own damage assessment to ensure you’re getting the full value of your loss.
If you feel the settlement is insufficient, don’t hesitate to negotiate or involve a public adjuster to advocate on your behalf.

Tip: Don’t settle too quickly make sure the offer reflects all of your damages and needs.