Property damage
Understand the loss, the policy language, and the record of repair.
- Policy and endorsements
- Damage photographs
- Estimates and invoices
PROPERTY LOSSES. DISPUTED CLAIMS.When the damage is real,
When the damage is real,
the details matter.
Insurance recovery counsel for property losses and disputed claims. Bring the policy, the record, and the questions that remain.
Discuss your claim Explore our focus
The details deserve
a closer look.
A damaged space holds more than one kind of record. Keep the overall view, the close detail and the documents together.
Explore the claim file ↗01 / OUR FOCUSA claim has more
A claim has more
than one question.
Start with the part of the record that needs attention.
Coverage disputes
Put the insurer’s position beside the policy and the communications that led to it.
- Coverage correspondence
- Policy wording
- Dated communications
Business interruption
Organize the business records behind the interruption and the assumptions that need examination.
- Operating records
- Expense documentation
- Event timeline
A CLEARER STARTING POINTThe record is
The record is
where we begin.
A useful claim file connects what happened with what was recorded. We help bring those materials into a coherent conversation.
- 01
Event
- 02
Documentation
- 03
Correspondence
- 04
Open questions
A record structure, not a case history.
ACROSS THE TABLEA claim file still
Meet the team.
A claim file still
begins with a person.
Start with what happened, what has been received and what remains unclear. A useful conversation gives each part room.
- Understanding the file.
- Examining the policy.
- Discussing the next question.
02 / OUR APPROACHFrom scattered documents
From scattered documents
to a clearer position.
A considered approach to the material behind a claim.
01THE APPROACH
Read the whole file.
Start with the policy, endorsements, claim correspondence, and the loss record.
02THE APPROACH
Follow the sequence.
Connect documents to events, separate facts from assumptions, and identify the questions still open.
03THE APPROACH
Discuss the next decision.
Put the record in context so the legal conversation can focus on the choices ahead.
Before drawing a conclusion
Check the connection.
- 01
The event
What happened?
- 02
The wording
What does the policy say?
- 03
The gap
What is still unanswered?
KEEP THE EXCHANGE TOGETHEROne exchange rarely
One exchange rarely
tells the whole story.
Keep requests, responses and attachments in the same sequence.
Get the claim-file guide ↗01What was requested?↗
Keep the request and its date.
02What was sent?↗
Retain the response and the documents included.
03What remains open?↗
Note unanswered questions without filling the gaps.
THE WORK BEHIND THE CONVERSATIONCareful work.
Careful work.
A human conversation.
A damaged property can leave a complicated paper trail. The first conversation should make that trail easier to navigate.
Keep the record honest
An unanswered question belongs in the file, too.
Leave room for what still needs to be understood.
A total needs
its context.
Descriptions, quantities and assumptions help explain what an estimate includes.
The line itemThe supporting question
A reading framework, not a claim valuation.
Discuss the documents ↗
MAKE ROOM FOR THE QUESTIONS.BEFORE WE SPEAKA few practical
A few practical
starting points.
What should I bring?
A copy of the policy, correspondence, and the documents already available is a useful starting point.
Do I need a complete file?
You can begin by identifying what you have and what is missing. Keep original records where possible.
Can this website tell me whether my claim is covered?
No. Coverage and available options depend on the policy, facts, and applicable law. A legal review is specific to the matter.
Two useful distinctions
A fact. An assumption.
A fact.Keep what the record shows.
An assumption.Flag what needs checking.
You can begin
with the file you have.
Gather the policy, the communications and the questions. Gaps in the file are useful to identify, too.
Start with your question ↗03 / A FIRST CONVERSATIONLet’s start with
Please avoid sending confidential information before an engagement is agreed.
Let’s start with
what happened.
Bring the record you have. We can begin with the questions it raises.
Tell Flint Insurance Recovery what needs attention, and find a practical starting point.
Arrange a conversation
A useful little read · 10 pages
A clearer claim file
A practical guide to organizing the records behind an insurance claim.
Read the contents
- Read the policy as a whole
- Build a dated event record
- Preserve damage documentation
- Keep estimates and invoices together
- Track insurer communications
- Separate facts from open questions
- Prepare for a focused legal conversation
- Your claim-file checklist