Claim checklist.
Pick your carrier and your cause of loss; the tool tells you exactly what to gather before you call the adjuster. Built from the playbooks we use on real claims.
Try the tool
What do I need before I
call my insurance adjuster?
Pick your insurance carrier and the cause of the damage; the tool generates a checklist of the exact documents, photos, and timestamps your insurer typically asks for before approving a water or mold claim. Bring this list to your call with the adjuster, and you can cut a first-time-right claim from three weeks to one.
[gateway_claim_checklist]Why carrier-specific
How different carriers review
the same water damage claim
Every homeowners policy in the US has the same broad structure: Coverage A (dwelling), Coverage B (other structures), Coverage C (personal property), Coverage D (loss of use). What changes is how each carrier reviews documentation.
State Farm assigns a dedicated adjuster who calls within 24 hours and works the claim end-to-end. USAA processes most water claims via a contractor-direct payment model, which speeds repairs but requires more upfront scope. Allstate runs a Quick Pay program for documented claims under $5,000 that bypasses in-person inspection. Knowing what your specific carrier weighs heavily lets you front-load the right evidence.
The tool above is built from the actual claim playbooks we use with each of the 10 carriers we work with most often in the St. Louis metro. It is not legal advice and it is not a guarantee of approval, but it is the closest you will get to an internal claim-prep document without working at one of these carriers.
If you would rather have us handle it
Claim documentation Gateway does on every job
Gateway Water and Mold works alongside your adjuster on every job. We document mitigation with timestamped photos, scope drawings, moisture readings, and ATP swabs, and submit it directly in the format your carrier expects. Call (314) 947-3419 for an estimate; we coordinate with your insurer at no additional cost.
Got the claim checklist? Get water damage help in St. Louis
Now call us. We help you work the claim from the first phone call.