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SAFETY · DOCUMENTATION · NEXT STEPS
Start with safety. Then protect what you can, document what happened, and understand the next steps.
If you have experienced a loss, we are sorry you are going through this; for practical guidance on what to do next, please visit our free After a Loss guide at https://beforeyourclaim.com/after-a-loss/.
General U.S. homeowner education, not an emergency service or individual coverage, technical, or legal advice. Your policy, local conditions, and applicable law govern. No account, property record, marketing consent, or professional engagement is required.
01 / GET ORIENTED
Return only when authorities say it is safe. Visible structural damage, fallen trees, or downed power lines need qualified assessment before entry. Never operate wet electrical equipment or switches while standing in water. Stay out of floodwater. [1]
Arrange reasonable temporary protection once conditions are safe. Ask qualified help to secure openings or address hazards; do not climb a damaged roof. Photograph conditions first when safe, keep repair receipts, and ask your insurer about reimbursement. Payment depends on coverage. [1, 3]
Photograph overall conditions and details without risking injury. List damaged or missing belongings and retain purchase records when available. Keep damaged items for inspection when safe and practical; ask about disposal before removing them. Safety takes priority over retaining hazardous material. [2, 3]
Preserve original photographs, notes, receipts, and communications. Record what you observed separately from assumptions. Browser-stored records can be lost; keep protected copies of important records and every part of a complete backup. Opening this guidance does not save, change, or send your records.
02 / DIFFERENT LOSSES, DIFFERENT HAZARDS
These starting points do not establish the cause, extent, or insurance coverage of damage.
Check with the fire department before entering. Heat, smoke, soot, and firefighting water can affect the building and belongings even after flames are out. Residues and dirty water may be hazardous. Ask about qualified assessment and cleanup before handling affected items. [2]
Avoid standing water and electrical hazards. Floodwater may contain contaminants. Seek qualified help to assess safe entry and cleanup. Tell your insurer what you observed and ask which policy may apply. [1, 4]
Look from a safe location for visible damage to openings, exterior surfaces, and belongings. Stay clear of fallen lines, unstable trees, and damaged structures. Have qualified help assess inaccessible areas and temporary protection. Do not climb onto a roof to document damage. [1, 3]
For theft or burglary, notify police and retain the report. List missing items and preserve available receipts and photographs. For other events, use the same sequence: safety, reasonable protection, documentation, and policy notice. Do not guess at a cause you cannot verify. [3, 5]
03 / KEEP COMMUNICATION CLEAR
Read your policy and contact your insurer or agent promptly. Ask about required notice, forms, documentation, and deadlines. Do not wait for a complete inventory before checking these duties. No single reporting deadline applies to every policy or loss. [3]
Confirm the claim number and contact person. Ask what happens next, what information is needed, and when to follow up. Ask about temporary repairs and living expenses if you cannot stay at home. Keep dated notes and copies of correspondence. [4]
Provide your damage list, photographs, receipts, and any written estimates. Identify areas that need further inspection and report additional damage discovered later. Ask for an explanation of estimates and coverage decisions you do not understand. [4, 5]
Read repair and representation agreements carefully. Avoid pressure to sign documents you do not understand. Check qualifications and references. Ask what services, fees, and rights an agreement involves before signing. [3, 4]
04 / HELP IS A CHOICE
Uncertain safety conditions may need a qualified building or cleanup professional. A complex inventory, disputed damage estimate, or difficulty managing a claim may justify considering independent claims assistance. Legal questions about a contract or dispute may need an attorney. These are options to evaluate, not a recommendation that you hire anyone.
A company adjuster and an “independent adjuster” hired by an insurer work for the insurer. A public adjuster, where permitted, is hired by you to represent you on the claim and charges a fee. Rules vary by state. Check authorization, qualifications, services, and fees before engaging anyone. Your state insurance department can explain local rules and provide consumer assistance. [4]
Further reading: Why Hire a Public Adjuster? The Experience Gap. Opens the Absolute Adjusting website in a new tab; internet access is required. This optional visit does not send your Home Record or questionnaire.
The core home record remains free. Reading this guidance and using documentation or recovery never requires marketing consent or professional services. This page does not offer consultations, send records, or connect you with a provider.
Source check: November 3, 2026. The summaries above are bundled with this build and remain readable without internet access. The source addresses below are reference text, not embedded services. Source pages can change; individual policies and local rules still require review.
For optional educational questions or a professional inquiry, choose a company website link. No Home Record is sent.
Start with a place you know.
Have a Home Record backup from your phone or another computer?
Create your first property to begin.
Select a property first.
Select a property to add rooms.
Choose a property and room to begin.
Standard stores a reduced-size copy. Your original photograph on this device is not modified. Keep important originals separately. Choose Original to preserve full detail in this Home Record.
Photographs normally save as reduced-size copies. Originals on your device are not modified.
No room selected. Choose a room to attach photographs.
Photographs are saved locally in your selected quality. Review important details after adding them. Source filenames and available JPEG capture dates are retained separately; file modification dates are not capture dates.
Deleting removes the room from this device, together with its photographs, its notable belongings and its floor-plan sketch. Backups you have already saved are not changed.
Draw a simple plan of your home from the rooms you added. It is a sketch from your own sizes, not a survey.
Choose a home and add a room. The floor plan is optional.
Have a saved backup? Go to Import Home Record.
Inventory, PDF, ZIP and recovery are free; optional professional services are separate. Android Save: choose a storage location and tap Save in Files. Opening Files is not a completed save. Wait for the saved-and-verified message; cancellation keeps your records unchanged.
Download the complete recovery package and save protected copies.
Select a property to export/delete, or select an archive to restore.
⚠ Warning: Browser-stored records can be lost. Keep complete backup copies in separate, secure locations.
Your backup includes the selected home’s saved records and photographs in their saved quality. Contents changes save automatically; optional measurements and home details have their own Save buttons. No account, marketing permission or professional contact is required.
Sensitive, unencrypted archive. Names, room details and photographs can reveal private locations. Keep Original Resolution preserves embedded metadata, potentially including GPS. Standard and Compact retain the available JPEG capture date in recovery records while re-encoding the image. Protect saved files. A file download is not verified off-device backup.
Save one local folder containing your PDF report, saved photographs organized by floor and room, recovery information, and backup instructions. Where folder saving is unavailable, download and extract the Home Record ZIP. Keep this build or a newer compatible build with your package. Older backups remain available under compatibility tools.
Save the complete export in at least two secure locations. Keep at least one copy away from the insured property and the immediate disaster area.
Choose Download My Home Backup. We will create the complete package and request the download. If your home needs several parts, save every part together.
Your backup includes saved rooms, plans, contents, home details, photographs at their selected quality, and a readable PDF. Unsaved edits and discarded full-resolution sources are excluded. Files are private and unencrypted; protect access.
Open the saved PDF and several photographs. Test restoration in a separate empty browser profile before relying on the backup. Keep your working records: clearing browser data or deleting a property is unnecessary for this test. Absolute Adjusting cannot recover records it does not possess.
Preparing your backup can take a minute or more with many photographs. The screen may not respond while it works. The app has not frozen.
When your phone’s Files screen opens showing the file name, remember to tap Save. Your backup is not saved until you do.
Now move a copy off this computer. Your browser saved the backup on this computer, usually in the Downloads folder. If the computer is lost, stolen or broken, that copy goes with it. Copy the ZIP to a USB drive, an external drive or a cloud drive you use, and keep it with your other important papers.
Add a reminder to your calendar to bring your home record up to date once a year. The reminder holds no information about your home.
The complete backup restores editable records. Save PDF gives a separate readable report; the PDF alone cannot restore the editable record.
No ZIP/PDF set prepared. Save feature edits first; unsaved drafts are excluded.
Choose your saved backup below. Checking it does not import records. After validation, review the summary and choose Import Home Record. (Instructions in older backups may call this “Restore My Home”.)
Save the backup with Download My Home Backup first. Then move the ZIP file, or every numbered part, in one of these ways:
Then choose Import Home Record on the other device and select the original ZIP (every part together). Do not unzip and re-zip it. The two copies do not stay in step with each other: after importing, keep working in one place. If this home is already in this browser or app, you will see the two copies side by side and can choose to replace the copy on this device.
For a folder: use Windows “Extract All” first, then select the whole backup folder that contains Recovery Records, Saved Photographs (or Original Photographs in older backups), and the PDF. A containing extraction folder is also accepted when it contains only one complete backup and no extra files. Do not select Recovery Records alone or select individual files. For a ZIP: select the original app-created file, or every numbered part together. Do not re-zip extracted files.
To test without risking current records, create a separate browser profile, open this same app address there, and restore into that empty profile. Private browsing may erase records when closed; use a separate regular profile for a restart test.
Versioned uncompressed USTAR, saved photographs plus manifest and SHA-256 checksums. Maximum archive 64 MiB, manifest 2 MiB, 1,000 photos. Failed/incomplete sources are reported. Hashes check integrity, not authenticity.
Portable v2 TAR parts, at most 48 MiB each; at most 2 GiB of saved photographs, 1,000 photos, 40 MiB per saved photograph, and 2 MiB manifest. One part is built at a time. No image compression or uploads. Browser memory and free disk space can impose smaller limits.
No backup is ready yet.
Save every part in one folder. The prepared set is a snapshot of saved records; after editing, prepare a new complete set. Each click prepares one download; the app cannot confirm it reached disk. If cancelled, retry that part while this page stays open. After a page/browser restart, prepare a new complete set; do not mix sets. Partial downloads cannot restore a property. Keep saved photographs in this browser until you have verified restoration elsewhere. Limited phone disk, browser quota or download permissions can interrupt this workflow.
No validated archive selected.
Compare the two copies. Replacing puts the backup’s copy in place of the one on this device. Backups you have already saved are not changed.
| Detail | On this device | In the backup |
|---|
The two copies are the same. Nothing needs replacing.
1. Recommended: save a safety backup of the copy on this device first.
2. Replace
Every saved photograph is checked before importing. If the home is already on this device, the two copies are shown side by side, and nothing is replaced unless you confirm. The two copies are never merged. Close old app versions before importing. The website, Ask a Claims Adjuster context and optional preferences are not included.
The complete backup restores editable records. The PDF is for reading only.
Preparing your backup can take a minute or more with many photographs. The screen may not respond while it works. The app has not frozen.
When your phone’s Files screen opens showing the file name, remember to tap Save. Your backup is not saved until you do.
This permanently removes the selected property and its rooms, photos, plans, belongings and home details from this browser. Other properties and files you already saved are not deleted.
Choose Show what will be deleted before confirming.
This is not needed to test recovery. Use a separate empty browser profile instead. If the confirmation does not match, preview the deletion again before retrying.
INPUT REVIEW ONLY — NOT A RECONSTRUCTION-COST ESTIMATE
Enter gross finished, unfinished and garage areas separately from their source; rough room rectangle sums do not establish gross building area. Unknown stays unknown. Sources are reported by the homeowner and not verified. No pricing, coverage or market-value calculations.
A short description is enough, such as “Miscellaneous tools”. One photo can show many things.
Choose educational guidance or a professional inquiry. Both open the company website in a new tab; no Home Record is transferred and no engagement is created.
Use Ask a Claims Adjuster on the company website.
Ask a Claims Adjuster · company website · new tabUse the company’s contact page to ask about professional help.
Contact a Claims Professional · company website · new tabPractice article search — no AI answer or live professional. Suggested articles have not been approved as answer sources. This does not determine coverage, deadlines, legal rights or values.
Choose Practice answers to use these invented examples. They are not real article excerpts or professional review.
Not ordinary homeowner question submission. These previews send nothing to a person or AI service.
Choose a room and photos to preview their names. Nothing is sent.
No home records selected. General questions do not use home records.
Review the selected records above. This practice form cannot send a message. No professional receives it, and no reply or professional relationship is created.
These practice choices last only while this page is open. They do not sign you up, collect contact information or send messages. Reloading clears them. You can use every free feature without choosing anything.
Preferences never control property, rooms, photographs, plans, contents, dwelling inputs, free Ask a Claims Adjuster guidance or document downloads. Optional professional contact is separate and never required.