HOME INSURANCE CLAIM EDUCATION · TEXAS HAIL & STORM SEASON
A 32-page fillable workbook, built from real field and catastrophe claim experience, to document damage, understand your estimate (RCV, ACV, depreciation) and track every payment. $19.99, instant download.
Get the Survival Kit — $19.99See what's inside✓ 32 fillable pages ✓ Instant PDF ✓ Print or use digitally
Created by Carl Browning, a Texas insurance adjuster based in Wichita Falls with years of field and desk experience on catastrophe and everyday property losses, including hail, wind and storm claims across Texas.
After seeing homeowners struggle to keep track of photos, estimates, conversations and payments, Carl built the organizer he wished every policyholder had on day one.
This kit is education only. Carl and 24SevenClaims LLC do not act as your public adjuster or represent you on your claim.
First-24-hours checklist, photo plan, room-by-room journal and personal-property inventory worksheets. Great after hail, wind or storm damage.
Plain-English explanations of RCV, ACV, deductibles, and recoverable vs. nonrecoverable depreciation.
An 8-page fictional sample estimate shows quantities, unit prices, taxes, overhead, profit and payment calculations.
Track contractors, receipts, payments, communications, deadlines and claim-completion tasks.
Numbers are easier to ask about when you know what they mean.
| Replacement cost value (RCV) | $24,850 |
| Less depreciation | − $4,120 |
| Actual cash value (ACV) | $20,730 |
| Less deductible | − $2,500 |
| Illustrative initial payment | $18,230 |
Fictional educational example. Policy terms and claim facts control.
Topics covered: Property claims · Catastrophe losses · Estimate education · Field documentation
For order questions, download access or a damaged file, email 24SevenClaims@gmail.com.
Get the Survival Kit — $19.99No. It's an instant digital PDF download. Fill it out electronically or print the worksheets.
No. Your policy, endorsements, claim facts and applicable law control coverage and payment decisions.
The kit is for organization and education only. 24SevenClaims is not a public adjuster and does not represent policyholders. For help with a dispute, contact your insurer, a licensed Texas public adjuster, or an attorney.
Yes. The photo plan, damage journal and payment tracker are built for common property losses like hail, wind and storm damage.
No. Every name, measurement and price in it is fictional.
Your purchase is licensed for personal household use. Resale, public posting and sharing with other households are prohibited.
Email 24SevenClaims@gmail.com for order questions, download access or a damaged file.