Currently serving Nevada.
Homeowner login | Pro login | Mon–Fri, 8:00–17:00 PT
P
Property Claim Guide
Start assessment →
For Homeowners

Here’s what to do in the first hour after damage

Take a breath. Most decisions can wait an hour — but a few things should happen now. Property Claim Guide helps Nevada homeowners document damage, understand its severity, and get a neutral read before you call your insurer or hire anyone.

Start free assessment → See a sample report
The path

Four steps, in order

From the moment you notice damage to the moment you decide what to do about it.

STEP 1

Discover

Make the area safe. Shut off water or power if needed, and don’t throw anything away yet — damaged materials are evidence.

STEP 2

Document

Photograph wide shots and close-ups before any cleanup. Note when it happened and what you think caused it.

STEP 3

Assess

Answer a few guided questions. You get a severity score, risk flags, and a broad educational cost range.

STEP 4

Decide

Use your report to decide: call your insurer, get quotes, or monitor it. The choice stays yours.

What you get

A report you can actually use

Plain-language, not a quote

Your report turns the facts you provide into a clear summary: how severe the damage looks, what to watch for, and a broad cost band grounded in similar damage patterns. It’s educational — it does not tell you what insurance will pay.

Read the full sample report →
Sample — water damage
Severity score7 / 10
Damage categoryCat 2 — Grey water
Broad cost range$4,800–$11,000
Risk flagMold < 48h
Suggested next stepGet 2 quotes
How scoring works

The 1–10 severity scale

Grounded in IICRC water-damage categories and class-of-loss thinking, translated into plain language. Higher numbers mean faster action and wider scope — not a guarantee of cost or coverage.

1–3
Minor — monitor

Small, contained, clean-water or surface damage. Often manageable without a claim. Document it and keep an eye on it.

4–5
Moderate — get quotes

Multiple materials or a single room affected. Worth professional quotes and a careful look at your deductible.

6–8
Significant — act soon

Several rooms, structural materials, or grey water. Time-sensitive (mold risk grows after ~48 hours). A claim conversation usually makes sense.

9–10
Severe — urgent

Widespread damage, contaminated (black) water, or safety hazards. Prioritize safety and licensed mitigation immediately.

Read the deep dive: Types of water damage.

Decision matrix

File a claim, or pay out of pocket?

A neutral starting point. Always confirm with your policy and a licensed professional before deciding.

Lean toward a claim when…
Lean toward out of pocket when…
Likely repair cost is well above your deductible
The repair is close to or below your deductible
Multiple rooms or structural materials are affected
Damage is small, surface-level, and contained
There’s grey/black water or a mold risk
It’s clean water caught and dried quickly
You haven’t filed recent claims
You’ve filed recently and worry about premiums

Read the deep dive: Claim vs. paying out of pocket.

Optional

Matching with verified pros

If — and only if — you want quotes, we can connect you with Nevada professionals whose license and trade match your damage.

Qualified context

Pros receive the structured facts from your report, so the conversation starts informed instead of from scratch.

License verified

Every pro is checked against the appropriate Nevada authority before they can be matched. Verification, not endorsement.

No upfront cost to you

Matching is free for homeowners. You’re never obligated to hire anyone, and you can stop at any time.

✓

Pros are verified, never paid by us to refer you. We don’t take a cut of your repair, and a match is never a recommendation to hire. Always confirm license, scope, and price yourself.

Questions

Homeowner FAQ

Is Property Claim Guide free?+
Yes. The assessment and your educational report are free for homeowners. There’s no credit card, and we don’t sell your information.
Are you an insurance company or public adjuster?+
No. We are not an insurer, public adjuster, law firm, or claim representative. We don’t file claims, negotiate with insurers, or give legal advice. We provide educational information to help you make your own decisions.
Will using this affect my insurance premium?+
No. Running an assessment is private and has nothing to do with your insurer. Filing an actual claim is a separate decision that you make directly with your insurance company.
How accurate is the cost range?+
It’s a broad, educational band based on patterns in similar damage — not a quote or an estimate of what insurance will pay. Real costs depend on inspection, scope, and local pricing.
How long does the assessment take?+
About five minutes. It’s a handful of guided questions about your damage, plus the option to add photos.
What should I do before I clean up?+
Make the area safe, stop the source if you can, then photograph everything — wide shots and close-ups — before removing or drying anything. Keep damaged items until you’ve documented them.
Do I have to talk to a pro?+
No. Pro matching is entirely optional. You can complete an assessment, get your report, and never request a single quote.
How do you verify pros?+
We check each pro against the appropriate Nevada authority — the Secretary of State business license and, for construction trades, the Nevada State Contractors Board. Verification is not an endorsement.
Is my information private?+
Yes. We don’t sell your data or share it with insurers. You control whether your details are ever shared with a matched pro. See our privacy policy.
What areas do you serve?+
Nevada today. You can join the waitlist for Arizona, Utah, and California.
What kinds of damage does this cover?+
Common property damage: water, wind, hail, smoke, and fire. The assessment adapts its questions to the damage type you select.
Can I use my report when comparing quotes?+
Yes — that’s one of the best uses. A structured report helps you compare pro quotes on the same footing and ask sharper questions.

Ready to document your damage?

Get your free educational report in minutes. No obligation, no spam, no sales calls.

Start your free assessment → Read the sample report