Documenting Damage and Losses for Insurance Claims
–
October 11, 2023
When confronted with damages and losses, it's important to follow some "dos and don’ts" if you hope to take full advantage of your insurance coverage. Here are some basic guidelines:
- Don't alter the condition of any damaged property until an insurance adjuster inspects it. You should, however, make necessary emergency repairs to prevent further damage.
- Take pictures of all damages, including your home's exterior, car, basement, roof and yard.
- Document all items and property that were damaged or destroyed. Note the cost, brand, model and date of purchase. Include any available receipts and pictures of the items (even if the item is in the background of a family photo, for example).
- Contact your insurance company as soon as you have all the information related to your situation.
- Ask a contractor to estimate the costs of repairs. Provide this information to your insurance adjuster. (If you do not know who can provide the type of work you need, ask your adjuster for references.)
- Record all expenses you incur as a result of property damage, including the cost of temporary repairs, hotel accommodations and meal expenses.
- If you are unhappy with the settlement you receive for your claim, contact the insurance company. If you do not receive satisfactory results, you may contact the Complaints Division at the New Jersey Department of Banking & Insurance by calling 609-292-7272 or their Consumer Hotline 800-446-7467.
Information provided by the Society of Chartered Property and Casualty Underwriters
Use IRS Publications 584 and 584-B to document loss and damage on personal-use property and related to business, respectively. Access the forms at irs.gov/forms-instructions.
June 11 - 14, 2024Atlantic City
FeaturedApril 24, 2024Live Webcast
April 26, 2024East Hanover
April 26, 2024Live Webcast
April 26, 2024Live Webcast
April 29 - May 2, 2024Live Webcast
April 30, 2024Webcast Replay
May 3, 2024Webcast Replay
May 13 - 16, 2024Live Webcast
May 17, 2024Webcast Replay
May 20 - 23, 2024Live Webcast
May 22, 2024New Brunswick
May 22, 2024Red Bank & Live Webcast
May 30, 2024Webcast Replay
May 31, 2024Roseland & Live Webcast
June 3 - 6, 2024Live Webcast
June 11, 2024Atlantic City
June 13, 2024Live Webcast
June 17, 2024Live Webcast
June 20, 2024Live Webcast
June 20, 2024Live Webcast
June 24, 2024Live Webcast
June 25, 2024Live Webcast
June 25, 2024Live Webcast
June 25, 2024Live Webcast
June 26, 2024Live Webcast
June 26, 2024Live Webcast
June 26, 2024Live Webcast
June 26, 2024Live Webcast
June 26, 2024Live Webcast
June 27, 2024Live Webcast
June 28, 2024Live Webcast
June 28, 2024Live Webcast
July 15 - 18, 2024Live Webcast
July 17, 2024Live Webcast
July 23, 2024Live Webcast
July 24, 2024Live Webcast
July 31, 2024Live Webcast
August 12 - 14, 2024Atlantic City
August 13, 2024Live Webcast
August 14, 2024Live Webcast
August 21, 2024Live Webcast
August 23, 2024Live Webcast
August 23, 2024Live Webcast
August 26, 2024Live Webcast
August 26, 2024Live Webcast
August 27, 2024Live Webcast
August 30, 2024Live Webcast
September 3 - 6, 2024Live Webcast
September 11, 2024Webcast Replay
September 16, 2024Live Webcast
September 16 - 19, 2024Live Webcast
September 17, 2024Live Webcast
September 19 - 20, 2024Live Webcast
September 19, 2024Live Webcast
September 23, 2024Live Webcast
September 23, 2024Live Webcast
September 23, 2024Live Webcast
September 24, 2024Live Webcast
September 24, 2024Live Webcast
September 24, 2024Live Webcast
September 24, 2024Live Webcast
September 25, 2024Live Webcast
September 26, 2024Live Webcast
September 27, 2024Live Webcast
September 27, 2024Live Webcast
September 27, 2024Live Webcast
October 15, 2024Live Webcast
October 16, 2024Live Webcast
October 17, 2024Live Webcast
October 17 - 18, 2024Live Webcast
October 17, 2024Live Webcast
October 17, 2024Live Webcast
October 18, 2024Live Webcast
October 21 - 24, 2024Live Webcast
October 22, 2024Live Webcast
October 22, 2024Live Webcast
October 23, 2024Live Webcast
October 23, 2024Live Webcast
October 24, 2024Live Webcast
October 24, 2024Live Webcast
October 24, 2024Live Webcast
October 25, 2024Live Webcast
October 25, 2024Live Webcast
October 28, 2024Live Webcast
October 28 - 31, 2024Live Webcast
October 29, 2024Live Webcast
October 30, 2024Live Webcast
October 30, 2024Live Webcast
October 30, 2024Live Webcast
October 30, 2024Live Webcast
October 31, 2024Roseland & Live Webcast
November 1, 2024Live Webcast
November 1, 2024Live Webcast
November 1, 2024Live Webcast
November 1, 2024Live Webcast
November 4, 2024Live Webcast
November 5, 2024Live Webcast
November 6, 2024Live Webcast
November 6, 2024Live Webcast
November 7, 2024Live Webcast
November 7, 2024Live Webcast
November 8, 2024Live Webcast
November 8, 2024Live Webcast
November 12, 2024Live Webcast
November 13, 2024Live Webcast
November 13, 2024Live Webcast
November 14, 2024Live Webcast
November 14, 2024Live Webcast
November 14, 2024Live Webcast
November 14, 2024Live Webcast
November 15, 2024Live Webcast
November 15, 2024Live Webcast
November 15, 2024Live Webcast
November 15, 2024Live Webcast
November 18, 2024Live Webcast
November 18, 2024Live Webcast
November 18 - 21, 2024Live Webcast
November 18, 2024Live Webcast
November 19, 2024Live Webcast
November 20, 2024Live Webcast
November 20, 2024Live Webcast
November 20, 2024Live Webcast
November 21 - 22, 2024Live Webcast
November 21, 2024Live Webcast
November 21, 2024Live Webcast
November 22, 2024Live Webcast
November 22, 2024Live Webcast
November 22, 2024Live Webcast
November 25, 2024Live Webcast
November 25, 2024Live Webcast
November 25, 2024Live Webcast
November 26, 2024Live Webcast
November 26, 2024Live Webcast
December 2, 2024Live Webcast
December 3, 2024Live Webcast
December 3, 2024Live Webcast
December 3, 2024Live Webcast
December 4, 2024Live Webcast
December 4, 2024Live Webcast
December 5, 2024Live Webcast
December 5, 2024Live Webcast
December 5, 2024Live Webcast
December 5, 2024Live Webcast
December 5, 2024Live Webcast
December 5, 2024Live Webcast
December 6, 2024Live Webcast
December 6, 2024Live Webcast
December 9, 2024Live Webcast
December 9, 2024Live Webcast
December 9 - 12, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 10, 2024Live Webcast
December 11, 2024Live Webcast
December 12 - 13, 2024Live Webcast
December 12, 2024Live Webcast
December 12, 2024Live Webcast
December 13, 2024Live Webcast
December 13, 2024Live Webcast
December 16 - 17, 2024Live Webcast
December 16, 2024Live Webcast
December 16, 2024Live Webcast
December 16, 2024Live Webcast
December 17, 2024Live Webcast
December 17, 2024Live Webcast
December 18, 2024Live Webcast
December 18, 2024Live Webcast
December 18, 2024Live Webcast
December 18, 2024Live Webcast
December 19, 2024Live Webcast
December 19, 2024Live Webcast
December 19, 2024Live Webcast
December 20, 2024Live Webcast
December 20, 2024Live Webcast
December 20, 2024Live Webcast
December 20, 2024Live Webcast
December 23, 2024Live Webcast
December 23, 2024Live Webcast
December 30, 2024Live Webcast
January 6, 2025Live Webcast
February 20, 2025Live Webcast