Prepare an insurance claim that gets paid: the evidence package, the claim narrative, and handling the assessor conversation.
Prepare my claim: {{incident}} (what happened, when, the policy type, damage/loss, what I've done since, evidence I have). Build: the evidence package (photos/video from every angle BEFORE cleanup where safe, the item inventory with age and replacement cost, receipts or the no-receipt alternatives — bank statements, photos of the item in situ, box/manual photos; the incident-number trail if police/emergency involved), the claim narrative (factual, chronological, consistent — inconsistency is the assessor's favourite word; no speculation about cause, state what I observed), the policy-language mapping (my loss described in the policy's own covered-event terms), the mitigation evidence (what I did to prevent further damage — a policy duty), the assessor conversation prep (answer what's asked, don't guess, the walk-through with my inventory in hand), and the dispute path if lowballed: the internal review request, then AFCA. Timeline discipline: claim lodged fast, everything in writing.
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