Northstar Public Adjusting
Checklist

Property damage insurance claim checklist

A step-by-step order to follow after property damage — from immediate safety through filing a well-documented claim.

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1

Make sure everyone is safe

Address any immediate safety hazards first — this always comes before documentation or claims.

2

Prevent further damage

Take reasonable steps to stop damage from getting worse — a tarp on a roof, water shut-off — while keeping receipts for anything you spend.

3

Photograph and video everything

Document all affected areas before any cleanup or repairs begin, from multiple angles.

4

Keep damaged items when safe to do so

Don't discard damaged property until it's been documented, unless it's a health or safety risk.

5

Collect receipts

Save every receipt tied to emergency mitigation, temporary repairs, or additional living expenses.

6

Contact the appropriate parties

Notify your insurer, and consider a public adjuster before your claim is filed if you want an independent review from the start.

7

Keep detailed claim records

Log every call, save every letter, and track your claim number and adjuster contact information.

8

Prepare for the inspection

Walk the property yourself first so you can point out anything that isn't immediately visible.

Full documentation guide

Want us to walk through this with you?

Request a free inspection and we'll handle documentation, claim preparation, and negotiation from here.