Storm Claim Evidence Kit
Organize physical damage evidence, itemize structural and personal property losses, calculate actual cash value vs. replacement cost, and format an adjuster-ready claims proof packet on your local device.
Catastrophe Claim Ledger
State Farm Claim #SF-88392-CAT • Wind / Hailstorm| Item & Location | Category | RCV ($) | Deprec. | ACV ($) | Evidence Status | Action |
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How to Navigate Catastrophe Claims
When major weather strikes, thousands of claims occur simultaneously. Catastrophe teams prioritize policyholders who present organized proof, separate emergency costs, and understand RCV versus ACV.
Evidence Preservation Rules
Insurance policies require the homeowner to protect property from further damage. Follow these strict evidentiary rules:
- Photograph before touching: Take wide-angle contextual shots of the entire room or roof slope, followed by close-ups of hail impacts or cracked rafters.
- Retain physical samples: If carpet or wet insulation must be removed to prevent mold, cut and save a 2x2 ft piece and photograph the rest in the dumpster.
- Track emergency receipts: Tarp rolls, 2x4 lumber, generator gas, and wet-vac rentals are reimbursable under reasonable mitigation provisions.
Understanding RCV vs. ACV Payouts
Catastrophe settlements typically arrive in two separate disbursements:
- Check 1 (Actual Cash Value): The estimated replacement cost minus depreciation and your deductible. This provides immediate cash to begin contractor work.
- Check 2 (Recoverable Depreciation): Paid after contractors complete the work and you submit signed final invoices showing replacement was executed.
- Deductible responsibility: Deductibles are paid by you to the contractor; carriers deduct it directly from their settlement payment.
What should I have ready when the field adjuster arrives at my home?
Have this printed Evidence Packet ready in hand. Walk with the adjuster through every documented damage line item. Point out hidden damage such as attic rafter moisture, window casing leaks, and AC condenser fin dents that may not be apparent from ground level. Never sign a full release before your own vetted contractor has reviewed the adjuster's itemized scope.
Are Additional Living Expenses (ALE) subject to my dwelling deductible?
Typically, ALE (Coverage D) covers the increase over your normal living costs when your home is uninhabitable (e.g. hotel room, emergency pet boarding, restaurant meal differentials). Most standard homeowners policies apply the deductible to structural and contents losses, not separately to ALE, but always verify your specific policy declaration page.
Can I hire my own contractor instead of the insurance company's preferred vendor?
Yes. You have the legal right to choose any licensed and insured contractor. If your contractor’s estimate exceeds the carrier adjuster's scope, your contractor can submit a supplement with photos and line-item software pricing (such as Xactimate) before starting work.