Claims Insights

Property Insurance Claim Blog

Plain-language guides from licensed public adjusters on filing, documenting and settling property insurance claims for fire, wind, hail and water damage.

Key Articles

Start here. These guides answer the questions homeowners ask us most.

Public adjuster in a navy polo reviewing an estimate and roof photos on a tablet with two homeowners at their kitchen table

Public Adjuster

What a Public Adjuster Does, and When It Makes Sense to Hire One

A plain-language look at what licensed public adjusters do, how they differ from insurance company adjusters, and when hiring one may make sense.

Homeowner at a desk checking off a list on a notepad, with a laptop, a navy folder, receipts and a phone

The Claims Process

Step-by-Step: How a Property Insurance Claim Moves From First Notice to Payment

A step-by-step look at a homeowners property claim, from first notice of loss through inspection, estimate, payment, and what happens if you disagree.

Three professionals in navy blazers reviewing printed estimates and roof damage photos at a conference table

Appraiser / Umpire

Insurance Appraisal Explained: The Roles of Appraisers and the Umpire

How the appraisal clause in a property policy works, what each side's appraiser and the umpire do, and when appraisal may make sense.

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Homeowner at a desk checking off a list on a notepad, with a laptop, a navy folder, receipts and a phone

The Claims Process

Step-by-Step: How a Property Insurance Claim Moves From First Notice to Payment

A step-by-step look at a homeowners property claim, from first notice of loss through inspection, estimate, payment, and what happens if you disagree.

Three professionals in navy blazers reviewing printed estimates and roof damage photos at a conference table

Appraiser / Umpire

Insurance Appraisal Explained: The Roles of Appraisers and the Umpire

How the appraisal clause in a property policy works, what each side's appraiser and the umpire do, and when appraisal may make sense.

Public adjuster in a navy polo reviewing an estimate and roof photos on a tablet with two homeowners at their kitchen table

Public Adjuster

What a Public Adjuster Does, and When It Makes Sense to Hire One

A plain-language look at what licensed public adjusters do, how they differ from insurance company adjusters, and when hiring one may make sense.

Close-up of hailstones and hail impact marks on asphalt roof shingles, viewed from just above the roofline

Wind & Hail

Hail or Wind Damage to Your Roof: How to Document It Before the Adjuster Comes

How to safely document hail and wind damage to your roof and home before the insurance adjuster's inspection, and what to do during the visit.

Family standing on their front lawn at golden hour as a firefighter talks with them beside their house, a front window boarded up after a fire

Fire

What to Do in the First 48 Hours After a House Fire

A calm, practical checklist for the first two days after a house fire: safety, notifying your insurer, protecting the property, and documenting.

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