Homeowners: Insurance Navigation

Toolkit 1 - Your First Steps After a Disaster. Hope starts here.

Module 1: Insurance First Steps

1. How to locate your policy and declaration page

2. Create a new email address

3. Filing a claim

Module 2: Insurance Terms & Basics

1. Common Insurance Terms

2. Insurance Basics for Homeowners

Toolkit 2 - Navigating Claims, Housing, and Your Rights. And ensuring you get a good night's sleep. 

Module 1: The first conversation with your adjuster

1. Homeowners: First Conversation with your Insurance Adjuster

Module 2: Homeowners Proof of Loss & Mortgage Implications

1. Proof of Loss

2. The role of your mortgage company and limit on lender involvement

Module 3: Additional Living Expenses

1. ALE - what it is and what it covers

2. Other things ALE can cover and how to track them

Toolkit 5 - Post-Disaster Logistics: Documents, Insurance, and Finding your Next Rental. A reminder to stay connected with support. 

Module 3: Insuring your uninhabitable home and new rental

1. Homeowners: what insurance to have on home under repair and temporary home

2. Renters: what to get in your next renter’s policy. Get your own, don’t use the property management’s one

Module 4: Paying for Utilities 

1. Turn off utilities and pay minimum to keep accounts open. 

2. Spreadsheet to calculate what ALE will cover for utility overages

Toolkit 7 - Replacing Belongings, Contents Pack Out & Setting Up Your Next Home. Moving forward and staying grounded amidst the turmoil. 

Module 1: The First Steps to Replacing your Belongings

1. Use shopping apps

2. Save receipts

Module 2: Restoration Companies & Your Contents

1. Content Pack Out: What you need to know

2. What your contractor provided inventory list should look like

Module 3: Getting settled into new or temporary housing 

1. Get what you are entitled to in your rental

2. Setting up your new or temporary home after a disaster

Toolkit 8 - The First Rebuild Decisions. Understanding your options and taking it slow.

Module 1: Shop around for contractors

1. Take your time and compare options

2. Contractor red flags

3. Interviewing contractors

Module 2: Contract fine print

1. What to look for in contract

2. Beware of Assignment of Benefits

Module 3: Should You Rebuild or Sell?

1. Understanding your options

2. Questions to ask yourself 

Toolkit 9 - The Personal Property Inventory Guide. And why it starts with taking a breath.

Module 1: Grounding exercise before you start

Module 2: Making your inventory list

1. Personal Property Spreadsheet

2. Helpful hints

Module 3: Recoverable Depreciation explained

1. Recoverable depreciation video

2. How insurance calculates recoverable depreciation 

Toolkit 10 - HOAs, Subrogation, and Renters Being Held Responsible. And managing the anger that comes with these issues.

Module 1: Homeowners Associations: What to know 

1. Whose insurance covers what?

2. Loss Assessment Coverage

3. Paying your HOA dues 

Module 2: Subrogation

1. What is it and how it works

Toolkit 11 - Common Roadblocks with Insurance. But keep going, you’ve got this.

Module 1: Unresponsive adjusters and delays

1. You’re not the only one

2. Ask for a supervisor

3. File a complaint

4. The last resort

Module 2: Proving your loss: Ownership and Damage

1. Proving you owned it

2. Proving it needs replacement

Module 3: Third Party Administrators

1. Who are they and what do they do

Module 4: Public Adjusters

1. When to hire one, what to know: 

2. What’s the Deal with Public Adjusters

Module 5: Quiet Victories

1. One step wins, signs of healing, and movement toward healing