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Claims Resource
Damage Assessment Guide
Proper damage assessment is crucial for accurate claim valuation. This guide—written by adjusters who've assessed thousands of properties—helps you document effectively.
Step-by-Step Assessment Process
Follow these steps to document damage properly
Step 1
Safety First
Ensure the area is safe before assessing. Look for structural hazards, electrical issues, or gas leaks.
Key Tips:
- Check for gas odors
- Look for exposed wiring
- Watch for unstable structures
- Wear protective gear
Step 2
Initial Documentation
Take wide-angle photos showing overall context before touching anything. Document date, time, and conditions.
Key Tips:
- Use timestamp on photos
- Capture multiple angles
- Include surrounding context
- Take video walkthroughs
Step 3
Detailed Inspection
Examine each damaged area carefully. Note type and severity. Look for hidden damage behind walls and under flooring.
Key Tips:
- Check behind furniture
- Inspect attic and crawl spaces
- Look for water stains
- Test for moisture
Step 4
Itemized Inventory
Create a detailed list of damaged items including descriptions, age, purchase price, and current value.
Key Tips:
- Group items by room
- Include brand and model
- Note pre-damage condition
- Keep original receipts
Step 5
Temporary Repairs
Make only necessary temporary repairs to prevent further damage. Keep all receipts and document before/after.
Key Tips:
- Only prevent further damage
- Don't make permanent repairs
- Save all receipts
- Photo before and after
Damage Type Reference
Water Damage
Act FastWhat to Look For:
- Staining on walls/ceilings
- Warped flooring
- Musty odors
- Visible mold
- Peeling paint
Pro Tip: Document water lines on walls. Check for hidden moisture behind drywall.
Fire/Smoke Damage
Act FastWhat to Look For:
- Char marks
- Smoke staining
- Melted materials
- Soot deposits
- Structural damage
Pro Tip: Document smoke damage throughout—it travels far beyond fire area.
Wind Damage
What to Look For:
- Missing shingles
- Debris impact marks
- Broken windows
- Structural shifting
- Fallen trees
Pro Tip: Show wind direction evidence. Document debris patterns.
Hail Damage
What to Look For:
- Dents on metal
- Cracked shingles
- Broken skylights
- Damaged gutters
- Spatter marks
Pro Tip: Measure dent sizes with a ruler. Check all exterior surfaces.
Theft/Vandalism
Act FastWhat to Look For:
- Missing items
- Forced entry marks
- Broken locks
- Graffiti
- Malicious damage
Pro Tip: Document entry points. File police report immediately.
Need Help With Your Assessment?
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