04/17/2026
The scary part of insurance isn’t always the accident—it’s the uncertainty. Here is what happens in the first 24 hours after you file a claim:
1. Hour 0–2: The Call: You report the first notice of loss. You get a claim number and a list of immediate next steps. Pro tip: Take 10x more photos than you think you need.
2. Hour 2–6: Stop the Bleeding: If there’s an active leak or a hole in the roof, a mitigation contractor is dispatched. Their job isn’t to fix the house—it’s to stop the damage from getting worse.
3. Hour 6–12: The Adjuster: An adjuster is assigned to your file. They will call you to schedule an inspection (in-person or virtual) to determine the scope of the loss.
4. Hour 12–24: The Strategy: By now, you should know:
- Your deductible amount.
- If your loss of use coverage is paying for a hotel or rental car.
- When the first check for repairs is expected.
The Reality: You aren’t just paying for a policy; you’re paying for a team that activates the second things go wrong.
