Every disaster type has different coverage rules, different deadlines, and different ways claims go wrong. Find your situation and get a free playbook and interactive checklist built for exactly what you're dealing with.
Contents inventory from memory, smoke and soot scope, ALE through an 18-month rebuild, and the AOB contracts you must not sign on day one.
Community-scale loss with FAIR Plan coverage, California state regulatory protections, contractor scarcity, and a 2–4 year rebuild timeline.
Named storm deductibles, wind vs. flood determination, coordinating two separate claims simultaneously, and mold as a downstream certainty.
NFIP vs. private flood rules, the 60-day Proof of Loss deadline that forfeits your claim if missed, ACV-only contents, and the no-ALE gap.
Rapid damage, ALE from day one, ordinance and law on rebuild, and managing a multi-contractor scope on partial and total structural losses.
Roof scope disputes, matching requirements for siding and roofing, ACV vs. RCV on shingles, and avoiding the contractor traps common in hail-prone markets.
Sudden and accidental water damage from frozen pipes, ice dam infiltration, the document-before-demo discipline, and scope disputes on restoration vs. rebuild.
Many losses involve overlapping damage — a hurricane that causes both wind and flood damage, a freeze that leads to mold, or fire smoke that damaged a home that didn't burn. When in doubt, start with the dominant cause of your loss. You can always access multiple hubs from your account dashboard.