Property claim paperwork, done right.

The official site for homeowners insurance claims. Contractors get flat-rate, human-written estimates. Homeowners get help staying organized through a claim.

Where should you start?

Tell us in a sentence what happened and who you are. 3 short exchanges, then we point you to the right page. Messages are logged to improve the site; don't include policy numbers, addresses or other personal details.

Hi. Are you a restoration contractor who needs an estimate written, or a homeowner dealing with a claim?

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A restoration contractor checking a tablet in a gutted room

I'm a restoration contractor

Send us the photos, sketch and drying records. Get a finished estimate back. Your first estimate is free.

Contractor services
A homeowner photographing claim paperwork with a phone

I'm a homeowner

A claim companion that helps you keep documents, dates and next steps in one place.

Coming soon

Documentation for every kind of loss

Water, fire and smoke, mold, and storm. The estimate follows the carrier's format for each.

  • A homeowner at a wet floor by the front doorWater
  • Soot on a kitchen range hood after a fireFire and smoke
  • A gloved hand pointing at mold in a wall cornerMold
  • A tarped roof and a fallen limb after a stormStorm

A property claim in five stages

What happens, in order. We prepare the paperwork at stages four and five; the guides cover the rest.

  1. A homeowner mopping up water with a bucket and towels

    Stop the damage

    Shut off the source, keep people away from water near electricity, and photograph everything before it moves. How to shut off the water.

  2. Air movers and a dehumidifier drying a living room

    Dry it out

    A restoration company extracts the water, sets drying equipment and logs moisture readings every day. Those logs are the record of what was wet and for how long.

  3. A homeowner on the phone at the kitchen table with a laptop

    File the claim

    Report the loss to the carrier, get a claim number, and keep every photo, receipt and date in one place. Filing a water claim.

  4. An adjuster with a homeowner while a contractor measures the wall

    The estimate

    The adjuster inspects and writes a line-item estimate. The contractor's estimate is compared to it line by line. When the number is short.

  5. A technician screwing new drywall into place

    Rebuild

    Repairs start once the scope is agreed. The final invoice and photos close the claim, and any held-back depreciation is released. Recoverable depreciation.

Documentation prepared for claims with any carrier, including:

  • State Farm
  • Allstate
  • USAA
  • Farmers
  • Liberty Mutual
  • Travelers

We work for the contractor or the homeowner, never the insurer. Not affiliated with, endorsed by, or acting on behalf of any carrier named.