Understanding Your Insurance Policy
We break down declarations pages, coverage types, endorsements, and exclusions so you know what you're actually entitled to.
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Getting Started
A clear path through your claim — from first steps to final resolution. Each article connects to a free tool you can use right now.
Understand Your Coverage
Your policy is a contract — learn to read it like one.
Start Here
Your first moves after a loss — what to do in the first 48 hours.
What to Do After Property Damage
A step-by-step guide for the first 48 hours. Learn what to document, who to call, and how to protect your claim from day one.
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Smart Claim Navigator
Not sure where to begin? Answer a few questions and get a personalized plan for your claim — built around your specific loss.
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Document Your Claim
Strong documentation is the foundation of every fair settlement.
Photographing Damage the Right Way
Lighting, angles, scale references, and metadata — the photos that hold up under adjuster scrutiny look very different from the ones you'd post online.
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Tracking Repairs Over Time
Every mitigation step, contractor visit, and material purchase belongs in a single record. Here's how to keep one without losing your mind.
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Environmental Conditions Matter
Mold, asbestos, lead, and air quality reports can dramatically change your claim. Learn what to test for and how to read the results.
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Track Your Losses & Expenses
Personal property, receipts, and everything in between.
Documenting Personal Property Losses
Tips for building a comprehensive inventory of your belongings — what carriers need, and how to maximize your personal property claim.
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Itemizing Receipts
Receipts are evidence. Learn how to capture, categorize, and total them so nothing slips through the cracks at settlement.
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Documenting What You Own
Build a clean, shareable record of your belongings. Snap photos, organize them, and export a single professional document.
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Manage Additional Living Expenses (ALE)
If you can't live in your home, your policy should cover the difference.
What ALE Covers
Hotels, meals, laundry, pet boarding, mileage — Additional Living Expenses cover more than most people realize. Learn what's reimbursable.
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Fair Rental Value Explained
If you're displaced, your carrier owes you the fair rental value of a comparable home. Here's how that number is calculated — and how to challenge a low one.
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Tracking Travel Costs
Extra mileage to work, school, or temporary housing adds up fast. Track it correctly and submit it as part of your ALE claim.
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Resolve Your Claim
Estimates, negotiation, and knowing when to bring in help.
How Insurance Estimates Work
What is Xactimate? How do adjusters calculate your loss? Compare carrier estimates to your own so you can advocate for a fair settlement.
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Should You Hire a Public Adjuster?
Public adjusters work for you, not the insurance company. Learn what they do, how they're paid, and when hiring one makes sense for your claim.
Ready to get started?
Use our free tools to document your damage, decode your policy, and build your claim.