Claims Filing Cheat Sheet

Why You Need This

Insurance companies sometimes deny restoration claims. Most of these denials are preventable - but only if you know what to document, what Xactimate codes to reference, and how to structure your appeal.

The Claims Filing Cheat Sheet is a step-by-step guide written for homeowners, not attorneys. It covers the documentation you need, the language that works with adjusters, and the exact appeal templates that get claims reopened.

What's Inside:

• Pre-claim documentation checklist (what to photograph and when)
• Xactimate codes your adjuster must justify when denying line items
• State-specific filing deadlines for all 50 states
• Appeal letter template with sample language
• Escalation path: adjuster → state insurance department → public adjuster