An Ensemblo Kit
The Water Damage Claim Kit
Everything you need for your first water damage claim, in one kit.
Written for homeowners in the United States. Coverage, deadlines, and regulators differ by state, so the kit asks for your numbers instead of printing them.
Your pipe burst, an appliance leaked, or the roof let go. Now you’re supposed to file a claim while the water is still being cleaned up. The insurer doesn’t volunteer what you can ask for, it answers once you ask. And once the claim is open, nobody in the process is fully on your side, including the contractor the insurer’s network sends you.
The part people regret afterwards is quieter: they didn’t know what to photograph before the drying equipment arrived, and by the time it mattered the wall was already out. This kit is a coordinated set of six worksheets: 29 questions to ask your adjuster, a log for who promised what, an evidence record for the moment before drying starts, and a page for your own policy’s numbers. Fill them in, print them, use them.
Sold by Lemon Squeezy as authorized reseller.
Instant download (PDF) · 47 pages · A4 + US Letter
This is for you if…
- You’re a homeowner in the US filing a first water damage claim.
- The damage was sudden and accidental: a burst pipe, an appliance leak, or a roof leak.
- You’re within the first thirty days of the event.
Not for: flood or rising-water damage (typically a separate policy), fire or total-loss claims, commercial, landlord, or tenant claims, anything already with an attorney or your state regulator, or public adjusters and contractors, who already have this.
What’s inside (instant download, print & carry)
Before you start, the kit says what it covers and what it deliberately does not: it is not insurance advice, and it does not interpret your policy. Every page asks the question; your insurer, your policy, and where those two disagree, your state regulator, give the answer.
- Should You Even File This Claim
- the questions to sit with before you call, with no recommendation either way. The decision stays yours
- The Ask List
- 29 questions covering the costs that usually get paid only once you ask: lodging, food, pet boarding, storage, matching adjacent surfaces
- Conversation & Promise Log
- one row per call, with the promise in their words, the date they gave, and whether it happened, plus the escalation sequence to your state regulator when it doesn’t
- Verification Checklist
- 15 rows for your own numbers: deductible, limits, actual cash value or replacement cost, the deadlines that apply to you
- Evidence Record
- 12 categories to capture before drying or demolition starts, each with a question to put to the restoration crew about what is still provable once they move on
- Contractor & Repair Crew Check
- 9 questions on licence, complaints, direct payment, and liability, plus the documents worth reading before you sign them
Why it works
The Ask List sets what you’re asking for, the Promise Log records what you were told, the Evidence Record protects what you’d otherwise lose the right to prove, and the Verification Checklist holds the numbers all three refer to. That is what makes it a kit and not six downloads.
Format & delivery
Instant PDF download, 47 pages. Print-ready in A4 and US Letter. No app, no login, no expiry.
FAQ
No. There is nothing to watch and nothing to hand in. You print it and fill it in.
No, and nothing here promises that. Your insurer and your policy decide what gets paid. What the kit prepares you for is narrower: asking about costs you might not have known to raise, getting the answer written down with a date and a name against it, and holding proof that stops being available once the drying and demolition start.
No, deliberately. Deductibles, limits, and deadlines differ by policy and by state, so any number printed here would be wrong for most readers. The Verification Checklist is where you write your own, with the place you found each one and the date you looked.
Some of it is, and the kit says so on the page. Claim diaries, inventory sheets, and expense overviews are published free by consumer nonprofits such as United Policyholders and several state insurance departments. What this adds is the question wording, the proof usually requested, and the answer field sitting together in one sequence. If a claim diary is all you need, take the free one.
No. It is written for US homeowners policies and US state regulators.
Both. Every answer field is a real PDF form field, so you can type into it on screen and save your file in any PDF reader. Printed, the same fields are blank lines and table cells you fill in by hand.
Everything you need for your first water damage claim, in one kit.
Sold by Lemon Squeezy as authorized reseller.