Orientation: the 8 phases of weather damage recovery

Every claim moves through the same eight phases, in the same order. Learn the sequence once and every claim you touch becomes predictable, for you and for the homeowner.

Why phases, not statuses

A status tells you where a claim is. A phase tells you what happens next, who owes what, and which deadline is live. MESHA structures every claim as a pipeline of eight phases so that the next step is never a judgment call.

The eight phases

• 1. Initial assessment: first site visit and triage of visible damage.
• 2. Documentation: photos, measurements, and written descriptions.
• 3. Insurance filing: the claim is filed with the carrier.
• 4. Adjuster review: your review of coverage, documentation, and estimate.
• 5. Estimate and approval: scope and numbers agreed with the carrier.
• 6. Contractor selection: the homeowner chooses who does the work.
• 7. Repairs: work in progress, supplements handled as they surface.
• 8. Final settlement: payment released and the claim closed.

Where adjusters carry the weight

Phases 1 through 5 are yours. The quality of the assessment and documentation you produce early determines whether phases 6 through 8 run smoothly or loop back. A weak photo set in phase 2 becomes a supplement fight in phase 7.

How to use the Academy from here

Each guide and file in the Academy maps to one of these phases. If you are new, read the field assessment guides first, download the inspection checklist, and keep the claim review worksheet open during your first reviews.