Step-by-step claim management with AI-powered analysis
This tool provides guidance and documentation support based on the information you provide. It does not replace professional legal or adjusting advice.
Step 1 of 14
Your Claim Information
CLM-2024-089456 • State Farm▼
Claim NumberCLM-2024-089456
Insurance CompanyState Farm
Claim StatusActive - Under Review
Date of LossNovember 15, 2024
Days Since Loss45 days
Adjuster NameMike Johnson
⚠️ Upcoming Deadline Proof of Loss due in 15 days (January 14, 2025)
Take the Following Action Steps to Properly Manage Your Claim
Step-by-Step Claim Guide
STEP
1
Upload your insurance policy for AI-powered coverage analysisIn Progress
Upload your insurance policy for AI-assisted analysis of coverages, limits, endorsements, loss settlement terms, ALE eligibility, and contents rules. Review your coverage terms to understand what is covered and how your claim will be paid.
▼
STEP
2
Report Your Loss, Send Written Notice, and Understand Your Policy DutiesUpcoming
Call your insurance company, send written notice to create legal proof, and learn what your policy requires you to do.
▼
STEP
3
Document Your Loss & DamageUpcoming
Photograph everything, create detailed inventory, and gather proof of ownership before the adjuster arrives.
▼
STEP
4
Get Your Own Contractor EstimateUpcoming
Hire a licensed contractor for detailed repair estimate before negotiating with the insurance company.
▼
STEP
5
Compare the Insurance Estimate to Contractor PricingUpcoming
Review the adjuster's estimate line-by-line and identify where they're underpaying.
▼
STEP
6
Verify Coverage for Your Documented LossesUpcoming
Check what's covered, what's excluded, and calculate your maximum recovery under policy limits.
▼
STEP
7
Track Additional Living Expenses (ALE)Upcoming
Document all increased costs from being displaced and maximize your ALE recovery.
▼
STEP
8
Finalize Your Contents Inventory with Complete ValuesUpcoming
Ensure every damaged item is listed, described in detail, and properly valued before claim submission.
▼
STEP
9
Understand ACV vs RCV and Your Payment StructureUpcoming
Learn how two-stage insurance payment works and how to recover your full depreciation holdback.
▼
STEP
10
Review the Settlement Offer & Identify UnderpaymentUpcoming
Compare the insurer's offer to your documented losses and calculate where you're being shorted.
▼
STEP
11
Negotiate the Settlement AmountUpcoming
Use your documented evidence and underpayment analysis to negotiate a fair settlement.
▼
STEP
12
Submit Your Formal Proof of Loss StatementUpcoming
File the sworn legal claim document with complete supporting evidence by the policy deadline.
Monitor all payments, complete repairs, and submit for withheld depreciation recovery.
▼
Your Claim File Is Now a Permanent Asset
This documentation serves as your official record for future disputes, property resale disclosures, warranty claims, tax deductions, and any additional damage discovered later. Maintain this archive indefinitely.