Build a useful claim record
Keep observations, authorizations and costs connected without deciding coverage yourself.
Protect the record as you go.
- Link photos and notes to a room or item ID.
- Keep estimates, authorizations and invoices together.
- Ask your insurer about your actual policy and instructions.
Keep facts and decisions separate
An event record describes what happened and what was observed. A contractor scope proposes work. An insurer decision addresses the actual policy and claim. Keep those records distinct even when they concern the same room or item.
Government of Alberta guidance explains that policy wording and limits vary. This site cannot establish that a particular loss, treatment, expense or replacement will be paid. Ask the insurer for the actual position in writing and the policy basis.
Use a simple record index
| Folder/record | Useful contents |
|---|---|
| Event | Dates, known source, authority instructions and safe photographs. |
| Property | Room labels, assessment reports and access limits. |
| Contents | Item IDs, descriptions, existing ownership/purchase records. |
| Work | Scope, estimates, authorization and revisions. |
| Expenses | Receipts, purpose, date and related communication. |
| Completion | Checks, disposition and unresolved exceptions. |
Preserve evidence without delaying safety
Ask how necessary hazard controls, removal and repair can be coordinated with documentation. Do not retain hazardous debris in occupied space to support an insurance argument. Where disposal is needed, ask how the condition and authorization will be recorded.
Keep original files and a backed-up copy. Use descriptive filenames rather than relying only on an unsorted photo roll. Avoid adding medical records, policy numbers or private tenant data to a generic service enquiry.
Ask precise claim questions
- Which actual coverage or limit is being applied?
- What information remains outstanding?
- Who can authorize the proposed work and cost?
- What deadline applies under this policy or claim?
- How can a disagreement be reviewed through the insurer’s process?
Take a useful brief
into the next conversation.
Organize your observations with a planning tool. Review the brief before choosing to share it.
References and scope
- Wildfires and property insurance — Government of Alberta.
Policy wording and limits vary. Coverage, valuation and payment decisions require the actual policy/claim.
Source links checked September 30, 2026. General guidance and original planning questions do not establish the condition, exposure risk or clearance of a property.
Smoke damage?
Start with a clear next step.
Describe what is known, where the property is and what you need help deciding. The HAUSE team reviews the request and, with your consent, may connect you with a suitable provider if available.
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