Just found damage?
The first hours matter.
Take a breath: very little has to be decided this minute. This page walks you through a calm first hour, and a free assessment gives you a structured, educational read on what you are dealing with. Built by adjusters, for homeowners.
Built by adjusters, for homeowners
The scoring logic comes from real property claims experience.
Educational, not an insurer
Not affiliated with any insurance company. No selling, no filing.
Photos counted, never stored
Photos are counted to structure your read. The images are never stored.
Nevada-focused
Built around Nevada conditions and Nevada-licensed pros.
Four steps, in order.
From the moment you notice damage to the moment you decide what to do about it. Safety first, paperwork later.
Make it safe
People first. Stop the source only if it is safe to reach: the water main or a local shutoff. If you smell gas, leave and call from outside; do not flip switches. Never touch electrical near standing water. In an emergency, call 911.
Document everything
Photograph wide shots first, then close-ups, before you move or dry anything. Keep damaged materials; they tell the story of what happened.
Get a structured read
Answer plain-language questions about what you see. You get a severity score, risk flags, and a broad educational cost range.
Decide your next step
Monitor it, gather quotes, or start a claim conversation. Your report organizes the facts; every decision stays yours.
One page that holds the whole picture.
Your report reads the way a good field note should: the damage in plain words, a severity score you can see, the risks that make damage worse, and a broad educational cost range.
It is not a quote, and it does not tell you what insurance will pay. It is the organized version of what you saw, dated and ready to hand to whoever you call next.
- Hand it to a pro so the first conversation starts informed.
- Compare quotes against the same set of facts.
- Keep it as a dated record of the damage you found.
How to read your severity score.
Every assessment returns a 1 to 10 score, grounded in industry damage categories and translated into plain language. Higher numbers mean faster action and a wider scope of work, never a promise about cost or coverage.
Small, contained, clean-water or surface damage, often below a typical deductible. Document it and keep an eye on it.
Multiple materials or a single room affected. Worth professional quotes and a careful look at your deductible.
Several rooms, structural materials, or gray water. Time matters here: mold risk grows after about 48 hours. This is the range where many homeowners weigh a claim against their deductible; the neutral starting point below can help you think it through.
Widespread damage, contaminated water, or safety hazards. Put safety first and get licensed mitigation help immediately.
Educational only: the score describes urgency and scope, not cost and not what a policy covers. Deep dive: Types of water damage.
File a claim, or pay out of pocket?
There is no universal answer; there is your policy, your deductible, and the damage in front of you. These patterns help you think it through before you decide anything.
- The likely repair cost is well above your deductible
- Multiple rooms or structural materials are affected
- There is gray or black water, or a real mold risk
- You have not filed recent claims
- The repair is close to or below your deductible
- Damage is small, surface-level, and contained
- It is clean water, caught and dried quickly
- You have filed recently and worry about premiums
Always confirm with your policy and a licensed professional before deciding. Deep dive: Claim vs. paying out of pocket.
Quotes from verified Nevada pros, on your terms.
Matching is off until you turn it on. If you want quotes, we can connect you with Nevada professionals whose license and trade fit your damage type.
Context, not cold calls
Pros see the structured facts from your report, so the first conversation starts informed instead of from scratch.
License checked
Every pro is checked at onboarding against the appropriate Nevada authority. Verification, not endorsement.
Free, no obligation
Matching costs homeowners nothing; participating pros pay us for matching. You are never obligated to hire anyone, and you can stop at any time.
Verified, never endorsed. Pros pay Property Claim Guide to receive matches; homeowners never pay us, and we take no percentage of your repair. A match is information, not a recommendation to hire. Always confirm license, scope, and price yourself.
Homeowner FAQ.
Straight answers about what this is, what it is not, and what happens with your information.
Is Property Claim Guide free for homeowners?
Are you an insurance company or public adjuster?
Will using this affect my insurance premium?
How accurate is the cost range?
How long does the assessment take?
What should I do before I clean up?
Do I have to talk to a pro?
How do you verify a pro's license?
What happens to my photos?
Is my information private?
What areas do you serve?
What kinds of damage does this cover?
Document it while it is fresh.
Details fade and damage keeps moving. A free educational report captures what you see today and gives you a calm, ordered next step.
Free · No card · No account · No calls unless you opt in