Insurhi · Claims documentation

Universal claim documentation checklist

Download the PDF checklist, print this page (File → Print), or use the plain-text media brief.

Before you file (all lines)

Policy number and declarations page (confirm effective dates and named insureds)
First notice of loss (FNOL) confirmation number and adjuster contact details
Dated photos or video with original metadata — wide scene plus close-ups of damage
Police, incident, or provider report numbers when applicable
Repair estimates, invoices, or itemized medical/vet bills tied to the loss date
Written timeline of events (what happened, when discovered, when reported)
Copies of all emails and letters to/from the carrier — not just phone notes
Mitigation proof (drying logs, temporary repairs, receipts) for property losses

Read the policy section that applies to this loss type (not just the marketing summary).
Gather the universal checklist below before calling or using the online portal.
Photograph serial numbers, VIN plates, or appliance model tags before disposal.
Do not discard failed parts (pipes, appliances) until the adjuster waives inspection in writing.

Match your narrative to policy definitions — sudden vs. gradual, covered peril vs. maintenance.
Submit complete packages; partial files trigger 'pending documentation' delays that look like denials.
Ask the adjuster which policy provision supports any coverage question — in writing.
Cross-check exclusions on the declarations page (named driver, business use, mold, flood).

Request the denial letter citing specific policy language — verbal summaries are not enough.
Respond point-by-point with supplemental documents tied to each cited exclusion.
Escalate to a supervisor, then your state Department of Insurance if the file stalls.
Compare your file against Insurhi claim case examples before accepting a final settlement.

Educational research only — not legal or insurance advice. © Insurhi · editorial@insurhi.com · https://www.insurhi.com/claims