Claims Prep Center

Hail damage

The most common homeowners claim in Colorado and Minnesota

Hail claims are the most litigated in the industry. Carriers scrutinize them closely. Know what to document before the adjuster arrives.

Wildfire damage

Partial losses are more common than total losses — and harder to document

Wildfire claims range from smoke damage to total loss. Partial losses are often underpaid because homeowners don't know what to document.

Flood damage

Standard homeowners policies don't cover flood — know what you have

Flood is the most misunderstood coverage gap in homeowners insurance. If you have a separate flood policy, here's how to document a claim correctly.

Wind damage

Wind claims often involve a separate deductible — know yours before you file

Wind damage claims are straightforward in principle but complicated by separate wind/hail deductibles and matching disputes.

Theft

Personal property limits and sublimits catch most homeowners off guard

Theft claims are limited by personal property sublimits that most homeowners don't know about until they file.

Water damage

Sudden and accidental is covered. Gradual leaks usually aren't.

Water damage is the most common homeowners claim — and the most frequently disputed. The key distinction is sudden vs. gradual.

Liability claims

Someone got hurt on your property — here's what to do and what not to say

Liability claims are different from property claims. Your insurer takes the lead — but what you do in the first 24 hours matters.