INSURHI CLAIMS DOCUMENTATION CHECKLIST — MEDIA BRIEF Website: https://www.insurhi.com/claims Press download (PDF): https://www.insurhi.com/press/claims-documentation-checklist.pdf Press download (TXT): https://www.insurhi.com/press/claims-documentation-checklist.txt SUMMARY Insurhi publishes step-by-step claim playbooks, document checklists, and anonymized case studies so readers can prepare a complete file before first notice of loss (FNOL). This brief summarizes our editorial claims-documentation standards for journalists and partners. UNIVERSAL DOCUMENT CHECKLIST (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 SCENARIO GUIDANCE BEFORE YOU FILE (FNOL) - 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. DENIAL PREVENTION - 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). IF DENIED OR SHORT-PAID - 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. FLAGSHIP PLAYBOOKS BY COVERAGE LINE - Auto Insurance: https://www.insurhi.com/claims/guides/auto-accident-evidence-claim-guide - Home Insurance: https://www.insurhi.com/claims/guides/home-water-damage-moisture-claim-guide - Life Insurance: https://www.insurhi.com/claims/guides/life-claim-delay-denial-guide - Medicare Supplement: https://www.insurhi.com/claims/guides/medicare-billing-error-claim-guide - Pet Insurance: https://www.insurhi.com/claims/guides/pet-claim-denial-appeal-guide - Renters Insurance: https://www.insurhi.com/claims/guides/renters-claim-denial-appeal-guide CLAIM CASE LIBRARY - https://www.insurhi.com/claims/cases/1 (auto late-notice reopening) - https://www.insurhi.com/claims/cases/2 (home gradual-leak dispute) - https://www.insurhi.com/claims/cases/3 (life contestability delay) - https://www.insurhi.com/claims/cases/4 (Medicare billing error appeal) - https://www.insurhi.com/claims/cases/5 (pet pre-existing dispute) - https://www.insurhi.com/claims/cases/6 (renters theft with partial receipts) - https://www.insurhi.com/claims/cases/7 (UIM paid after at-fault limits exhausted) RELATION TO IRF CLAIMS DIMENSION The Insurhi Rating Framework (IRF) 'Claims speed & reliability' dimension (25% weight) uses carrier disclosures plus these editorial playbooks and cases as evidence of documentation quality — not mystery-shopper audits. Methodology: https://www.insurhi.com/methodology#claims-content-examples LEAD CLAIMS EDITOR Sarah Mitchell — Claims Documentation & Settlement Research Editor Profile: https://www.insurhi.com/authors/sarah-mitchell EDITORIAL CONTACT editorial@insurhi.com DISCLAIMER Insurhi does not file claims on your behalf. Content is educational research, not legal or insurance advice. Confirm coverage with official policy documents and licensed professionals.