When someone else caused the damage or loss — an uninsured driver, a neighbor, a contractor, a business — this kit follows the real sequence of claiming against them or their insurer: document exactly what was damaged or lost, file the third-party claim, then escalate if it stalls. A claim backed by an itemized, evidenced inventory is much harder to lowball or ignore. Every tool in this kit is completely free to use — no account, no payment, no catch.
The sequence
Start documenting as soon as possible after the incident — photos, receipts, and repair quotes gathered at the time are far stronger than anything reconstructed later.
Step 1 · Document it
Record what was damaged or lost
An itemized inventory of every damaged or lost item — value, evidence, and repair or replacement cost — plus a checklist of the documentation the claim will need.
Step 2 · File the claim
Claim against the party responsible
A formal liability claim to the person or business responsible, or their insurer, with your evidence assembled in one pack and a checklist so nothing is missed. The main tool in this kit.
Step 3 · Escalate it
If the claim stalls
No response, endless requests for more information, or no decision? Follow up formally and escalate with a clear deadline.