When you’ve experienced property damage, whether from a car accident, a natural disaster, or a vandalism incident, your first step should be to ensure safety. But your second step should be just as immediate: start documenting the damage. Thorough documentation is the cornerstone of a strong insurance claim and can mean the difference between full compensation and a denied or underpaid claim.

At our Denver law firm, we guide clients through this process every day. Here’s how to get it right from the start when you have a claim with your insurance company.

Step 1: Take Photos from Every Angle

As soon as it’s safe, take clear, high-resolution photos of all damaged property. If it’s a car accident, get pictures of all vehicles involved, including license plates, the surrounding scene, road conditions, debris, and skid marks. For home or business damage, capture wide shots of the affected area as well as close-ups of specific damage.

Tips for effective photos:

• Use good lighting.
• Capture damage from multiple angles.
• Take before-and-after photos if possible (e.g., if you have old photos of your car or home).

Step 2: Create a Written Inventory

Make a list of all damaged items, especially in cases of home or office property damage. Include:

• The name of the item
• Brand/model if known
• Estimated age or purchase date
• Estimated value
• Description of the damage

This inventory should be as detailed as possible and backed up with receipts or credit card statements, if you have them. The more evidence you can provide, the more credible your claim.

Step 3: Keep Receipts for Repairs and Temporary Expenses

Whether you’re getting a tow truck after a crash or replacing a broken window in your home, save every receipt. These may include:

• Emergency repairs
• Hotel stays or rental cars
• Temporary lodging or storage
• Replacement purchases

Insurance companies will usually reimburse reasonable and necessary expenses, but only if you provide proof.

Step 4: Get a Professional Assessment

In many cases, you’ll need an official damage estimate. For auto claims, this could mean a mechanic’s or body shop’s repair estimate. For home damage, it may come from a contractor or independent adjuster. Be sure the report includes:

• Description of the damage
• Cost of repairs
• Timeframe for repairs

Don’t rely solely on the insurance adjuster’s evaluation—get an independent second opinion if needed.

Step 5: File Your Claim Promptly and Accurately

Most insurance policies require you to file a claim within a specific timeframe. Submit your documentation quickly and keep copies of everything you send. Note the date, claim number, and name of any insurance representative you speak with.

Final Tip: Don’t Go It Alone

Insurance companies may try to reduce or deny claims by downplaying damage or disputing value. If you feel your claim is being unfairly handled, don’t hesitate to reach out to a legal professional.

Our Denver law firm is here to help you navigate property damage claims—from initial documentation to full recovery. Contact us today for a free consultation to protect your rights and your property.