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Home Insurance Claim Log

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The record a claim is actually decided on. A claim header block, a contact log with a column for what was promised and whether you followed up, a damaged-items inventory that totals replacement cost against ACV so the recoverable depreciation is a number and not a surprise, an ALE log built around the increase over your normal spending rather than your gross spending, and a milestone tracker with target and actual dates.

Format: Excel (.xlsx)

Look inside

Preview only — scroll to read it. The file you download is fully editable.

Read-only preview of the Claim Log worksheet



Home Insurance Claim Log
A claim is won or lost on the record you keep while it is happening, not on the argument you make afterwards. Fill this in as you go: every call, every item, every receipt, every date. Blue cells are yours; the totals and the claimable-increase column calculate themselves. Pair it with The Home Insu…

Part 1 — Claim header
Date of loss	2026-08-14	The date the damage happened, which is often not the date you discovered it. Say so explicitly if they differ.
Cause of loss	Wind — shingles lost, water into upstairs bedroom	Wind, hail, water, fire, theft, falling tree. Describe what happened, not what you think the policy calls it.
Insurance carrier	Midwest Mutual	The company on the policy, which may not be the agency that sold it to you.
Policy number	HO-4471902	From your declarations page.
Claim number	CL-2026-338714	Issued on the first call. Put it in the subject line of every email from here on.
Adjuster name	D. Whitfield (independent)	Ask whether they are a staff adjuster or an independent contractor — it changes who you escalate to.
Adjuster phone	(512) 555-0184	Ask for a direct line, not the main claims number.
Adjuster email	d.whitfield@claims.example.com	Get this on the first call. Everything important goes in writing from here.
Deductible that applies to this claim	2500	Check whether a percentage wind/hail or hurricane deductible applies instead of the flat one on the front page — see the Home Insurance Coverage Audit worksheet.
Date you reported the claim	2026-08-15	Most policies require prompt notice. Record the date and keep the confirmation.

Part 2 — Contact log
One row per call, email, voicemail, or visit — including the ones where nothing was decided. "What they promised" is the column that matters: a promise with a date next to it is something you can hold someone to, and a claim that goes to a complaint or an appraisal demand is decided largely on this…

Date	Who (name & role)	Method	What was said	What they promised	Follow-up date	Followed up? (Yes/No)
2026-08-15	Claims intake — R. Ortiz	Phone	Reported wind damage, gave date of loss and photos taken that day	Claim number issued; adjuster assigned within 48 hours	2026-08-17	Yes
2026-08-17	D. Whitfield, field adjuster	Phone	Scheduled the inspection	Site visit Thursday 10am	2026-08-20	Yes
2026-08-20	D. Whitfield, field adjuster	In person	Walked roof, attic and bedroom; photographed everything	Written line-item estimate in 7-10 days	2026-08-30	No
2026-08-22	Ridgeline Roofing	Email	Sent their own line-item estimate for comparison	Will meet the adjuster on site if the numbers differ	2026-09-02	No
2026-08-26	Claims intake — voicemail	Voicemail	Asked for status on the written estimate	—	2026-08-28	No
















Contacts logged	ƒx
Promises still awaiting follow-up	ƒx	Rows where something was promised and you have not marked the follow-up done. This is your to-do list.

Part 3 — Damaged items inventory
Replacement cost is what the item costs to buy today. Actual cash value (ACV) is that figure minus depreciation for age and wear. On a replacement-cost policy the insurer typically pays ACV first and releases the difference — the recoverable depreciation — only after you actually replace the item an…

Room	Item (make / model)	Age (years)	Original cost	Replacement cost today	ACV estimate	Photo? (Yes/No)	Receipt? (Yes/No)
Primary bedroom	Queen mattress & box spring	6	1400	1650	990	Yes	No
Primary bedroom	Dresser (oak, 6-drawer)	9	800	950	430	Yes	No
Upstairs hall	Carpet & pad, 320 sq ft	7	1900	2400	1080	Yes	Yes
Primary bedroom	Drywall & ceiling repaint	0	0	3100	3100	Yes	No
Roof	Architectural shingles, 28 sq	14	9800	21500	8600	Yes	Yes
		0	0	0	0
		0	0	0	0
		0	0	0	0
		0	0	0	0
		0	0	0	0

Preview shows the first 60 rows. The full worksheet continues for 60 more — the complete worksheet is in the download.

This template is general information, not financial, legal, or tax advice.