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Claims Process explained

6 in-depth guides · updated November 2026

A claim is won or lost in the first 72 hours. This section walks through the order of operations — documenting damage, notifying the carrier, choosing a contractor, and negotiating the scope of loss so the settlement matches the real cost of repair.First 24 hours: what to photograph before anything is movedHow adjusters build the scope of loss — and how to challenge itSupplemental claims when hidden damage appears mid-repairClaim delays, bad-faith timelines and your state complaint route

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Filing a Homeowners Claim: The Order That Gets It Paid — Arizona Guide

The first 48 hours decide how smooth a claim runs. Photograph everything before cleanup, stop further damage, keep every receipt, and report the loss…

May 18, 2026·3 min read

Filing a Homeowners Claim: The Order That Gets It Paid — Pennsylvania Guide

The first 48 hours decide how smooth a claim runs. Photograph everything before cleanup, stop further damage, keep every receipt, and report the loss…

May 13, 2026·3 min read

Filing a Homeowners Claim: The Order That Gets It Paid — New York Guide

The first 48 hours decide how smooth a claim runs. Photograph everything before cleanup, stop further damage, keep every receipt, and report the loss…

May 8, 2026·3 min read

Filing a Homeowners Claim: The Order That Gets It Paid — Florida Guide

The first 48 hours decide how smooth a claim runs. Photograph everything before cleanup, stop further damage, keep every receipt, and report the loss…

May 4, 2026·3 min read

Filing a Homeowners Claim: The Order That Gets It Paid — Texas Guide

The first 48 hours decide how smooth a claim runs. Photograph everything before cleanup, stop further damage, keep every receipt, and report the loss…

Apr 29, 2026·3 min read

Filing a Homeowners Claim: The Order That Gets It Paid — California Guide

The first 48 hours decide how smooth a claim runs. Photograph everything before cleanup, stop further damage, keep every receipt, and report the loss…

Jan 14, 2026·3 min read