Your claim may involve a house, rental property, store, office, or another insured building. We begin with the facts of the damage and the coverage involved. Services and fees are explained in a written agreement before representation begins.
Match the records to the loss
A property claim should explain what was damaged and the basis for the amounts requested. Building repairs, damaged belongings, and business equipment may need different supporting records. Separate categories make the file easier to understand.
For building damage, gather photographs, inspection findings, and itemized repair estimates. For belongings or inventory, list descriptions, quantities, purchase information, and proof of ownership. Start with available records and identify any gaps.
Help with household property claims
A home claim may involve fire and smoke, a plumbing failure, wind, hail, or another event covered by the policy. Document each affected room and any damaged belongings. Save receipts for reasonable steps taken to protect the property and for expenses you want reviewed under the policy.
If the property is a rental or second home, explain how it is used and when the damage was discovered. These details help identify relevant documents and policy questions. We do not assume every property has the same coverage.
Organize business loss information
For a business, clear records can help distinguish building damage from losses involving stock or equipment. Keep invoices, inventory reports, photographs, and repair estimates together. If operations are disrupted, preserve the related financial records for review of any applicable coverage.
Business income and extra expenses are payable only when the policy terms provide coverage. A closure alone does not establish a covered claim. We review the circumstances and documents before treating a business expense as part of the loss.
Give flood damage its own review
Flooding differs from many indoor water leaks. Standard homeowners and business property policies generally exclude flood damage. A separate flood policy may apply, with specific terms for the building, contents, and other items.
We organize records about the water source and damaged property. Do not assume that lost business income or temporary housing is included in a flood policy. Those questions require a review of the coverage purchased.
Keep the claim moving with clear information
Report the loss promptly and maintain reliable contact details with your insurer. Record inspection dates, requests for documents, and any deadlines provided. Take safe, reasonable steps to prevent further damage and keep receipts.
To discuss adjusting help in Delaware, call Wheeler at 610-361-9704 or email info@wheeleradjustment.com. Tell us the property location, what happened, and where the claim stands.
We can explain the work under our agreement and help you decide whether our services fit your needs. Coverage, payment, and timing depend on the policy and the facts.