Dallas–Fort Worth — Read This First
The Decisions You Make in the Next 24 Hours Will Shape the Whole Claim.
Most homeowners only run an insurance claim once or twice in their life — and the costliest mistakes happen in the first day, before anyone tells them otherwise. Don't throw anything out. Don't sign with the first vendor. We'll help you get this right starting today.
If You're Standing in a Damaged Home Trying to Decide What to Do
If you're on this page right now, you're probably:
- looking at damaged items wondering what's safe to throw out
- talking to a vendor your insurance company sent without knowing your options
- being told to "start cleaning up" before anything's been documented
- trying to figure out what's actually covered and what isn't
- feeling rushed by people who don't have to live with the outcome
- worried that one wrong move could cost you on the claim
Once items are tossed, the carrier can't include them in the claim — and the longer documentation waits, the more gets written off as not provable.
You don't need to figure this out alone in the next hour.
You need a documentation-first crew today — photos, inventory, and a clean handoff before anything is moved or thrown out.
Quick Answer
If you're standing in a damaged home right now:
- Don't throw anything out — even items that look ruined need to be photographed first.
- Don't sign with the first vendor your carrier sends until you understand your rights.
- Photo every affected room and item before anyone starts cleaning.
- Get a contents crew on site to document and inventory before mitigation tears in.
- Keep all receipts (hotels, food, supplies) — many are reimbursable under ALE.
The single most expensive mistake homeowners make is throwing items out before they're documented. Once it's gone, it's gone for the claim.
Mistakes We See Cost Homeowners the Most
Here's the order they usually happen — and where they hurt the claim:
- 01Throwing away items before documenting them
- 02Trusting the first vendor without understanding the process
- 03Not knowing what can actually be claimed
- 04Allowing rushed or incomplete packouts
- 05Missing categories — food, soft goods, hidden damage
- 06We step in to document, slow it down, and protect the claim← This is us
You don't have to make these mistakes. We get there before they happen.
Who This Page Is For
Homeowners Mid-Loss
You're getting pressured to make decisions fast. Most of those decisions are reversible — but only if you don't throw things out first.
- We document everything before anything moves
- You get to choose your contents vendor — not the carrier
- We bill the carrier directly so you're not out of pocket
Send the address. We'll be there today before any decisions get made permanent.
Adjusters Walking Into a Loss
When contents have already been moved or tossed, the file gets messy fast. We hand you a clean documentation packet so the contents side stays defensible.
- Photo inventory before contents are touched
- Itemized scope, separated from structure
- Documentation packet inside 24 hours
Send us in early. We protect the documentation chain.
What Are You Trying to Figure Out?
If you're not sure what's safe to throw out, see what items become non-salvageable →
If the loss just happened, see what to do in the first hours after water damage →
If you want to understand the full process before committing, see how the packout & claim process works →
If you're wondering whether you have to move out, see whether you need to move out during repairs →
Common Questions
Frequently Asked Questions
Why is documentation so important?
Once items are gone, the carrier can't evaluate them. Documentation is what makes contents claimable — without it, items get written off.
Do I have to use the insurance company's vendor?
No. You have the right to choose who handles your contents. The carrier may recommend a vendor, but the choice is yours.
What should I do first?
Slow down. Don't throw anything out. Photo everything. Then call a contents crew before anyone starts cleaning.
Is there a deadline to file or document?
Most carriers have prompt-notice requirements, but contents documentation should happen in the first 24–72 hours regardless — that's when items still tell the story.
Do you bill the carrier directly?
Yes. Direct-to-carrier on Xactimate. No deductible collection.
Don't make the next mistake.
Send the address — we're moving today.
We respond within minutes.
Need immediate help? Start a packout request