Insurance Claim Checklists
Step-by-step checklists for every type of property damage — so you document everything correctly and maximize your payout.
Water Damage Claim Checklist
A step-by-step checklist to make sure you document everything correctly, avoid common mistakes, and maximize your insurance payout.
Fire Damage Claim Checklist
Document every room, every item, and every cost before restoration begins — fire claims move fast and undocumented losses get denied.
Mold Claim Checklist
Mold coverage is limited in most policies — document everything early, hire an industrial hygienist, and don't let your insurer minimize the scope.
Sewage Cleanup Claim Checklist
Sewage backup is a biohazard — document before any cleanup, check for the sewage backup rider your policy may exclude, and use only certified contractors.
Smoke Damage Claim Checklist
Smoke odor and soot damage are harder to prove than fire damage — methodical documentation and certified odor elimination are what get claims paid in full.
About These Checklists
Filing a property damage insurance claim without a checklist is one of the most common ways homeowners leave money on the table. Adjusters move quickly, documentation windows are short, and missing a single step — like failing to photograph damage before cleanup, or not noting moisture readings — can give your insurer grounds to reduce your payout.
Each checklist on this page was built specifically for its damage type. Water damage, fire damage, mold, sewage backup, and smoke damage all have different documentation requirements, different coverage rules, and different contractor certifications to verify. Use the right checklist for your situation and work through every step before cleanup begins.