Resource Deep-Dive

The Master Claim Checklist is the exact workflow a professional public adjuster follows on every single claim. Built from 30 years of hands-on experience, it walks you through each phase of the process — from the moment damage occurs all the way through final settlement. This is not a generic to-do list; it is a battle-tested system used to settle thousands of claims.

• Phase-by-phase structure covering immediate response through final payment
• Over 50 actionable tasks across every stage of the claim
• Built-in deadline reminders for proof of loss, supplements, and appraisal demands
• Covers all major claim types: wind, hail, water, fire, and more
• Mark tasks complete as you go — progress is saved automatically
• Know exactly where you are in the process at all times

Insurance adjusters are trained to minimize payouts. The Damage Documentation Worksheet gives you a structured, room-by-room framework to catalog every item and area of damage before your adjuster ever sets foot on your property. A thorough written record is one of the most powerful tools you have in a claim dispute.

• Room-by-room damage inventory with fields for description, quantity, and condition
• Separate sections for structural damage, personal property, and exterior
• Space to note pre-existing conditions and recent improvements
• Attach photos directly to each line item within the app
• Export a clean, professional damage report to share with your adjuster
• Ensures nothing is overlooked or forgotten under pressure

When your policy pays Actual Cash Value (ACV), your insurer withholds depreciation from your settlement. The Depreciation Calculator helps you understand precisely how much is being withheld, whether it is recoverable, and what steps you need to take to get it back after repairs are complete. Most homeowners leave this money on the table simply because they don't know it exists.

• Calculate ACV vs. RCV for any item or structural component
• Estimate total depreciation withheld across your entire claim
• Determine which items qualify for recoverable depreciation
• Understand how your policy's depreciation schedule affects your payout
• Track when to submit your recoverable depreciation claim after repairs
• Built-in guidance on documentation required for depreciation recovery

If you are displaced from your home due to a covered loss, your policy's Additional Living Expenses (ALE) coverage can pay for hotel stays, restaurant meals, pet boarding, storage units, and much more. But insurers only reimburse what you can document. The ALE Expense Tracker ensures every qualifying dollar is recorded and ready to submit.

• Log hotel, meals, laundry, storage, pet boarding, and other displacement costs
• Categorize expenses by type to match your policy's ALE coverage categories
• Attach receipts directly to each expense entry
• Track running totals against your policy's ALE limit
• Generate a complete ALE summary report for submission
• Never forget a reimbursable expense again

Most homeowners don't read their policy until they have a claim — and by then it's too late to prepare. The Policy Coverage Guide is a plain-language reference that breaks down the most critical sections of a standard homeowner's insurance policy, explains common exclusions insurers use to deny claims, and helps you identify coverage gaps before disaster strikes.

• Plain-language explanations of declarations page, coverages A through D
• Common exclusions and how insurers use them to limit or deny claims
• Understanding your ACV vs. RCV election and what it costs you
• How to read your ALE limits and maximize reimbursement
• Key policy deadlines every homeowner must know
• Guidance on when to consider a policy review before your next renewal

A picture is worth a thousand dollars in a claim dispute. The Photo Documentation Checklist tells you exactly what photos to take, in what order, and how to organize them so your adjuster has no room to dispute your evidence. Proper photo documentation is one of the most commonly overlooked steps — and one of the most powerful.

• Specific photo requirements for roof, exterior, interior, and contents
• Wide-shot, mid-shot, and close-up guidance for every damage type
• How to document pre-existing conditions to protect yourself
• GPS and timestamp verification to establish timeline of damage
• Organizational system to keep photos sorted by room and damage category
• Export a professional photo report directly from the app