5 Essential Steps to Take Before Filing a Property Damage Insurance Claim


Written by: Young Adjustment Company


5 Essential Steps to Take Before Filing a Property Damage Insurance Claim

Filing a property damage insurance claim can feel overwhelming, especially when you're facing major loss to your home or business.

From documentation to navigating insurer communications, every step matters. 

That’s why having a public adjuster near you—specifically from Young Adjustment Company—can make all the difference.

Our licensed experts walk you through the entire insurance claim process, ensuring you receive the maximum settlement you're entitled to.

With over 100 years of experience, Young Adjustment Company has helped thousands of property owners recover successfully after disasters strike.

 

Why Speed and Documentation Matter After Property Damage

When serious property damage occurs, immediate action is critical. Insurance companies require proof that you’ve done your part to protect the property from further harm, like boarding broken windows or tarping a roof.

Delays, missing documents, or mistakes can lead to reduced settlements or claim denials.

5 Things to Do Before You File a Claim

Taking the right steps early will dramatically improve your chances of a successful claim:

  1. Document All Property Damage Thoroughly
    Walk through the property with a notepad or app to record every visible issue.
  2. Capture Comprehensive Photo & Video Evidence
    Photograph both wide shots and close-ups of damage under good lighting. Include timestamps where possible.
  3. Locate Your Insurance Policy Number and Agent Details
    You’ll need your policy on hand to verify coverage, deductible, and exclusions.
  4. Clearly Document the Cause of the Damage
    Whether it’s fire, storm, flooding, or vandalism—clarify what happened in writing.
  5. Contact a Public Insurance Adjuster for Professional Help
    Before calling your insurance company, speak to Young Adjustment Company. We’ll help you avoid mistakes, ensure compliance, and protect your interests from the very beginning.

What Does a Public Adjuster Do?

A public insurance adjuster is a licensed professional who works for you—not the insurance company. While insurers send out their own adjusters to limit payouts, Young Adjustment Company’s adjusters advocate for your full recovery.

We handle:

  • Policy interpretation
  • Proof of loss preparation
  • Comprehensive damage documentation
  • Direct communication with the insurer
  • Settlement negotiations on your behalf

Why Choose Young Adjustment Company?

Young Adjustment Company is one of North America's most trusted public adjusting firms, with a track record of securing favorable settlements for high-value residential and commercial clients.

Our team includes:

  • Insurance policy experts
  • Building and contents damage specialists
  • Forensic accountants specializing in business interruption losses

We’ve handled claims involving fire, tornadoes, hurricanes, water damage, and more—working with virtually every major insurance carrier in the U.S.

Serving Clients Across the Region

With offices across Pennsylvania, New Jersey, and the broader region, we respond to your location within hours. Whether you're a homeowner in Philadelphia or a business owner in the tri-state area, our public adjusters are available 24/7 to assist.

Get the Settlement You Deserve—Without the Stress

When you're dealing with property damage, the last thing you should worry about is whether your insurer will treat you fairly. Let Young Adjustment Company take the burden off your shoulders.

 Call 800-345-8321 or visit youngadjustment.com to start your claim the right way—with an expert advocate on your side.