Step 1 – Know Your Policy
Check deductibles, coverage ceilings, and whether you have replacement-cost or actual-cash-value terms. For floods, confirm your NFIP claim coverage.
Step 2 – Notify the Carrier Promptly
Most contracts demand notice within 48 hours. Provide date, cause, and mitigation actions already taken (e.g., Five Star Restoration’s water extraction).
Step 3 – Secure the Property
Board broken windows and tarp roofs; keep receipts—these “reasonable expenses” are reimbursable.
Step 4 – Document Relentlessly
- Shoot video before cleanup.
- Build a contents inventory with model numbers and estimated values.
- Track hotel, meal, and laundry costs under Additional Living Expenses.
Step 5 – Meet the Adjuster Prepared
Bring a contractor estimate (Five Star uses Xactimate for insurer-standard pricing).
Step 6 – Negotiate Smartly
If the offer seems low, consult a licensed public adjuster (5–10 % fee) or Five Star’s claim specialists.
Step 7 – Watch Deadlines
California insurers must accept/deny within 40 days of proof of loss. Mark the calendar and follow up.
FAQs
Q: What’s a proof-of-loss form?
A sworn, itemized statement of damages, usually due within 60 days.
Q: Should I hire a public adjuster immediately?
Consider one for losses over $25 k or when coverage is disputed.
Q: Does flood insurance cover mold?
Only if you acted quickly to dry the home; delays can void coverage.
References
- California Department of Insurance: Your Guide to Residential Property Claims
- FEMA: National Flood Insurance Program Claims Handbook
- Insurance Information Institute: Settling Insurance Claims After a Disaster
