Homeowner claim guides
Plain-language walkthroughs of the parts of a property claim people lose money on — written by the team building Havn.ai, and free to read whether or not you ever use it.
Additional living expenses (ALE)
Additional living expenses: what loss-of-use coverage actually pays for
Coverage D pays the extra cost of living elsewhere — not your whole hotel bill. What counts, what doesn't, and the costs people forget.
Read the guideDocumenting damage
How to document property damage for an insurance claim
What to photograph, in what order, and what to write down — before cleanup, during mitigation, and all the way to the report.
Read the guideReading your policy
How to read your homeowners insurance policy
Declarations page, Coverages A–D, RCV vs ACV, sub-limits and exclusions — the parts that decide your claim, in plain language.
Read the guideWater damage checklist
Water damage insurance claim: a step-by-step checklist
Burst pipe, appliance leak, roof leak: what to do in the first hour, first day and first week — and which water losses are covered.
Read the guideIf your claim is denied
Your homeowners claim was denied. What now?
How to read the letter, what the common reasons actually mean, and the practical steps before you decide whether to escalate.
Read the guideThis is general information, not legal or insurance advice. Every policy is different, and only your own policy and your state's rules decide your claim. For advice, talk to your adjuster, a licensed public adjuster, or an attorney.
Put this into practice
Havn.ai does the organizing for you: upload your policy, receipts, estimates and letters, and it reads them into an organized claim and a report you can hand to your adjuster. Free to start, in your browser.
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