Property file checklist
Keep the conversation factual and tied to the written policy, claim correspondence and documents you can verify.
- Photograph the vehicle and damaged contents
- Inventory personal property with purchase or ownership records
- Record tow, storage and inspection access
- Save each estimate and supplement
- Identify deductibles or limits stated by the insurer
- Ask for written explanations of excluded or reduced items
Track each damaged item
Save originals and maintain a short communication log so requests, promises and open questions do not disappear across calls.
- Item and owner
- Pre-crash condition evidence
- Damage photos
- Estimate or replacement information
- Coverage response
- Payment, repair or unresolved status
Questions worth asking
Ask whether the claim is being handled under your coverage or another party's coverage, how repairs are approved, how supplements work and what happens to damaged property.