Claim Guidance Library

Taking it in and Getting Started

• Speak UP: How to communicate with your insurance company
• Sample Letter Requesting Complete Copy of Homeowners Policy
• Mobile/Manufactured Home Insurance Claim Tips
• Survivors Speak: Forced Choice Matrix for Decision-making
• What’s UP With Home Insurance Deductibles?
• FEMA and SBA 2024 Updates Overview

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Getting Organized

• Organizing Carrier-Specific Disaster Survivor Groups
• General Claim Tips
• Insurance Accounting Spreadsheet
• FAQ’s about Property Damage Insurance Claims
• Sample Letters and Claim Documents
• What to Do With Checks from Your Insurance Company

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Being Proactive in Documenting and Valuing Your Losses

• Xactimate Demystified
• Insurance Recovery Tips for the Dwelling Part of Your Claim
• Reimbursement for Claim Preparation Expenses
• Sample Letter for Requesting Copies of Claim-Related Documents
• Buy or Rebuild? FAQs on replacing a dwelling after a total loss
• Sample Letter Requesting Inspection, Scoping and Remediation Plan for Wildfire Damaged Structure

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Creating Your Home Inventory and Navigating Your Contents Claim

• Depreciation Basics
• Sample Letter Asking for a Personal Property Claim Settlement
• Survivors Speak: Personal Property / Contents List for Insurance for Total Loss

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Making Financial Decisions

• Updating your home insurance after a loss…Staying protected without wasting money
• Tax Tips for Disaster Survivors
• Underinsurance 101
• Tax Information for Disaster Survivors
• What to Do With Checks from Your Insurance Company

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Choosing a Contractor

• What’s UP with Overhead and Profit?

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Working with Your Mortgage Company

• Sample Letter Requesting Mortgage Company Release Insurance Proceeds
• Sample Letters and Claim Documents

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Getting Help If/When You Need It

• A Policyholders Guide to Mediation
• Examinations Under Oath – “EUO”
• Getting Help From the CA. Dept. of Insurance
• Hiring an Attorney for an Insurance Claim
• Making the Best Choice When Hiring a Public Adjuster
• Questions to Ask Before Hiring a Public Adjuster
• Hiring Professional Help for an Insurance Claim

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Overcoming Obstacles

• Policyholders Can Win in Appraisal
• Sample Letter Requesting Claim Payment History
• Using social media to be the squeaky wheel
• Sample Letter to Collect Policy Benefits for Building Code Upgrades (non-CA)
• Sample Letter Requesting Retroactive Increase of Your Dwelling Limit

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