LineitemlyClaim guides
Plain-English help for homeowners dealing with a property insurance claim.
Insurance estimate too low? What to do next
Why adjuster estimates come in low, how to find what is missing, and how to ask for a revised estimate without hiring anyone.
How to read an Xactimate estimate
What every column in an insurance repair estimate means: quantity, unit price, tax, O&P, RCV, depreciation and ACV.
Recoverable depreciation: how to get the rest of your claim
Replacement cost policies hold back depreciation until repairs are done. How to claim it before the deadline.
Hail or wind roof claim: 12 items adjusters often leave out
Drip edge, starter, ridge cap, ice and water barrier, steep and high-roof charges, waste, permits and more.
Contents inventory after a fire or total loss
How to rebuild a list of everything you owned, room by room, without spending months on a spreadsheet.