01
Structured summary
A concise overview of the reported source, affected rooms, urgency level, and homeowner-provided facts.
Report card 01 · PDF page 1
The sample report
See the report before you start.
A Property Claim Guide assessment turns homeowner-provided damage details into a structured PDF: what happened, what appears affected, what needs documentation, broad repair-cost context, and the next calls to make.
FreeAbout 5 minutesNo card requiredEducational only
Sample // PCG-SAMPLE-WTR
Educational
01
Damage
Damage type
Water damage
Kitchen & adjacent wall · Reported exposure beyond 48 hours
02
Severity
6/10
Educational indicator · 5–6 significant
Urgency
Elevated
Inspection advised
03
Risk
Risk flags
4 flagged
Wet materials
Larger affected area
Policy review advised
Mold risk window
04
Cost
Cost band
$4,080–$7,155Sample figure
Educational range · not a quote or estimate
05
Next
Suggested next step
Document the damage and arrange a licensed inspection before authorizing repairs or making claim decisions.
Illustrative example. Not an estimate, appraisal, or insurance valuation. Actual conditions and costs vary; consult licensed professionals.
What you receive
Organized damage context, not a vague checklist.
The report is designed to help a homeowner understand the situation before making any calls: to the mitigation company, plumber, roofer, restoration pro, insurer, or another licensed professional.
02
Severity score
A rule-based score that highlights risk factors such as active leakage, contamination, delayed drying, or structural exposure.
Report card 02 · PDF page 1
03
Reported findings
A clean table showing areas affected, condition notes, and urgency status so the situation is easier to explain.
PDF page 1
04
Broad cost range
Educational repair-cost context, not an exact estimate, bid, coverage decision, or substitute for inspection.
Report card 04 · PDF page 2
05
Policy interaction
Common claim friction points, the documentation insurers commonly ask for, and questions to ask before making decisions.
PDF page 2
06
Next-step order
A suggested sequence: document, mitigate, preserve evidence, consult licensed pros, and organize records.
Report card 05 · PDF page 3
PDF preview
A report format that looks useful enough to keep.
This mockup shows the actual structure the homeowner should expect: a cover summary, findings, estimate range, policy-related considerations, and recommended next steps.
Damage assessment
Assessment reportReport No. PCG-SAMPLE-WTR
Generated 2026-07-04
Nevada · Educational
Generated 2026-07-04
Nevada · Educational
Illustrative sample
Water damage · kitchen & adjacent wall
Sample assessment based on homeowner-provided inputs. This document is educational and is not a coverage decision, repair estimate, public adjusting service, engineering opinion, or substitute for licensed inspection.
Assessment summary
Significant water damage affecting kitchen, adjacent wall.
Document the damage and arrange a licensed inspection before authorizing repairs or making claim decisions. Because the potential cost range is not minor, consider reviewing your policy and speaking with your insurer or another licensed professional before choosing a path. This is general educational guidance only, not insurance advice or a substitute for a licensed contractor, public adjuster, engineer, insurer, or attorney.
Severity
6/10
Significant · educational indicator
Urgency
Elevated
Educational range
$4,080–$7,155
Category
Water
Severity scale: 1–2 minor · 3–4 moderate · 5–6 significant · 7–8 severe · 9–10 critical. Scored by our rule-based engine from your answers.
Risk flags from your answers
Wet materials may need moisture mapping or removal.
Larger affected area increases scope.
Consider reviewing policy and speaking with a licensed professional before deciding next steps.
Exposure beyond 48 hours: the mold risk window has opened.
What your answers indicate
Flooring
Surface moisture can wick into the subfloor below; the full extent depends on an inspection.
Minor
Lower drywall
Where flooring gets wet, moisture often wicks up the lower section of the wall. That lower drywall may need to be removed down to the base of the wall so the framing behind it can dry.
Moderate
Cabinet base
The lower cabinet panels can swell when water reaches them; the visible cabinet fronts are often salvageable.
Minor
Mold risk
Elevated because the reported exposure is beyond 48 hours. An inspection of the wall cavity and subfloor is strongly advised before walls are closed back up.
Major
Why it matters: Conditions that extend behind cabinets, walls, or flooring can worsen when drying or repair is delayed. The immediate priority is documentation, verification, and mitigation if materials remain wet or unstable.
Costs & policy
Assessment reportPCG-SAMPLE-WTR
Educational only
Educational only
Indicative repair cost range
What the work typically costs.
These are broad educational ranges for common work items. Final costs depend on site conditions, access, material quality, local pricing, and licensed professional inspection.
| Item | Description | Range |
|---|---|---|
| Floor tear-out and disposal | ~160 sq ft · Tear-out and dispose of damaged flooring + underlayment. | $1,200–$1,920 |
| Drywall replacement (lower 24") | ~20 lf · Lower drywall replacement, finish coat, paint match. | $640–$1,100 |
| Cabinet base reconstruction | 1 run · Cabinet base reconstruction with face-frame salvage. | $600–$1,200 |
| Mitigation and drying | 5-day cycle · Air movers + dehumidifier rental, daily cycle. | $450–$875 |
| Mold inspection (recommended) | 1 inspection · Licensed inspector, wall cavity moisture mapping. | $150–$300 |
| New flooring installation | ~160 sq ft · LVP install, mid-grade, underlayment included. | $1,040–$1,760 |
Indicative total (educational)
$4,080–$7,155
How this typically interacts with your policy
Claim friction usually comes from cause, timing, and proof.
The report does not determine coverage. It helps organize questions and documentation before a homeowner calls anyone.
Commonly covered · ask your insurer
Sudden and accidental discharge from plumbing (water damage to floors, drywall, cabinets).
Timing & duties
Prompt notice: policies commonly require notice 'promptly' or 'as soon as practicable' · check your policy's exact wording.
Often excluded
Pre-existing wear (corroded supply line) on some carrier policies.
Recommended documentation
✓
Photos before cleanup
Wide room photos, close-ups, source photos, and progression photos before materials are disturbed.
✓
Cause confirmation
Statement or invoice from the plumber identifying the failed component and repair completed.
✓
Moisture readings
Initial readings, drying logs, and final dry-standard readings if mitigation is performed.
✓
Invoices and receipts
Emergency service invoices, repair invoices, material receipts, and any temporary protection costs.
Action plan & pros
Assessment reportPCG-SAMPLE-WTR
Educational only
Educational only
Action plan
Do these in order.
1
Document everything
Take photos and videos before cleanup or repair begins. Include wide shots, close-ups, and source photos.
2
Mitigate further damage
Stop the source, protect undamaged areas, and save receipts for reasonable temporary measures.
3
Review your policy
Confirm deductible, water damage provisions, exclusions, and duties after loss.
4
Use licensed professionals
Confirm licensing and keep written documentation for plumbing, mitigation, and repair work.
5
Keep a clean file
Save photos, estimates, invoices, communications, and receipts in one folder.
Important: Property Claim Guide is educational only. It does not file claims, adjust claims, provide legal advice, decide coverage, or guarantee pro performance.
Up to 3 matched Nevada pros
Matched pros, shown only with your consent.
How this list is ordered: pros are matched by trade and by how close their stated service area is to your ZIP. Match quality always ranks first and can't be bought. Among equally matched pros, paid subscribers rank ahead of free listings, and pros with an active paid boost · labeled "Sponsored" · rank first. "License verified" means Property Claim Guide reviewed the pro's Nevada license and business documents; it is not a guarantee of quality, insurance coverage, or availability.
You opted in to pro matching. These Nevada pros were matched to your reported damage type and location · contact them directly.
Desert Water & Restoration License verified Sponsored
Water mitigation, structural drying · ZIP 89109 · (702) 555-0181
Serves your area (per their listed service area).
Mojave Ridge Plumbing Co. License verified
Licensed plumbing, leak repair · ZIP 89052 · (702) 555-0144
Serves your area (per their listed service area).
Vegas Valley Restoration License verified
Water restoration, mold remediation · ZIP 89030 · (702) 555-0197
Serves your area (per their listed service area).
Fictional example businesses, shown for illustration only.
How we choose pros: These are license-verified Nevada pros matched to your reported damage type and location (see how this list is ordered, above), capped at three · not an exhaustive marketplace. Property Claim Guide does not guarantee pro performance, pricing, or availability · always confirm licensing and get a written scope before hiring.
How homeowners use it
The report gives the conversation structure.
01
Before making calls
Use the summary to understand what you know, what you do not know, and what documentation is still missing.
02
Before hiring a pro
Use the findings and the documentation list to ask better questions and avoid vague scope conversations.
03
Before cleanup starts
Use the next-step checklist to preserve evidence, document the condition, and keep repair records organized.
Boundaries
What the report is not.
It is educational and is not a coverage decision, repair estimate, public adjusting service, engineering opinion, or substitute for licensed inspection.
The report does not determine coverage. It helps organize questions and documentation before a homeowner calls anyone.
Property Claim Guide is educational only. It does not file claims, adjust claims, provide legal advice, decide coverage, or guarantee pro performance.
Ready when damage happens
Start with structure before the situation gets expensive.
The assessment is free, takes about five minutes, and gives you a cleaner way to explain the damage.
Free · About 5 minutes · No card required · Educational only