What should I do in the first 24 hours after a loss at my rental?

Make the property safe and prevent further damage, which your policy generally requires, then document everything, photos and notes, before anything is cleaned or moved, and report the loss to your carrier. Do not throw out damaged property or authorize major repairs until the loss is documented. Those first steps protect both the property and the claim.

How do I prove lost rent after a covered loss?

With records: the lease, the rent history, and proof the unit was rentable and is now uninhabitable because of the covered loss. Loss-of-rents coverage, also called fair rental value, replaces that income for the period the property is being repaired. It is one of the most valuable coverages for an investor and one of the most often under-claimed, so it is worth making sure it is part of the claim.

Will you help me with the claim even though you are independent?

Yes, and being independent is exactly why we can advocate for you. We work for you, not a single carrier, so in a claim our role is to help you document the loss, understand the settlement, and push for a fair recovery. We cannot control the carrier's decision, but having an advisor who knows your policy and represents your interest materially helps.

What if the insurer's valuation of my loss is too low?

You can dispute it, and you should not accept a low settlement by default. We help you understand the basis for the offer, gather the documentation and estimates to support a higher figure, and push back through the process. Knowing whether your policy settles at replacement cost or actual cash value matters here, because it changes what you are owed.

Claim and Loss Support - Vantage Point Risk

Help when a loss actually happens.

The worst week to first learn how your policy works is the week of a loss. Claim and loss support means having an independent advisor in your corner when it happens, someone who knows your coverage and works for you, not the carrier.

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We help you respond to a loss the right way from the first hours, document it so the claim holds up, understand what your policy actually covers including loss of rents, and push for a fair recovery. Because we are independent, our job in a claim is to represent you, not the insurer.

The first hours after a loss

What you do in the first day shapes the claim. Make the property safe and prevent further damage, document everything before anything is moved or cleaned, and report the loss correctly. We walk you through it so a covered loss is not undercut by a misstep at the start, and so the record supports the claim from the beginning.

Proving the loss, and the income

A claim is only as strong as the documentation behind it. We help you assemble what the adjuster needs, the condition before the loss, the cause, and the cost, and we make sure loss-of-rents coverage is claimed correctly so your income is protected while the property is repaired. Owners often leave the rental-income piece on the table because they did not know to claim it.

An advocate, not a bystander

Because we are independent, we work for you in the claim. We help you understand the settlement, push back when a valuation comes in low, and keep the process moving. We cannot guarantee an outcome, but having someone who knows the policy and represents your interest changes how a claim goes.

Help when a loss actually happens.

The first hours after a loss

Proving the loss, and the income

An advocate, not a bystander

Claim and Loss Support, answered.

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Help when a loss actually happens.