☐ THE "POLICY JACKET" CHECK: Do you have the certified copy of your full policy (not just the "Dec Page")? If not, send a written request for it today.

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☐ THE PHOTO TIMELINE: Do you have "Before" and "After" photos with digital timestamps? Save these in a cloud folder, not just on your phone.

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☐ THE COMMUNICATION LOG: Create a spreadsheet. Column A: Date. Column B: Who you spoke to. Column C: What they promised.

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☐ OUT-OF-POCKET RECEIPTS: Every dollar spent because of the loss (temporary repairs, hotels, lost inventory) must be scanned and filed.

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☐ EXPERT QUOTES: Obtain at least one estimate from a professional who does not work for the insurance company.

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☐ THE DEADLINE TRACKER: Mark your calendar for 15 days after every major submission.

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In California, the difference between a denied claim and a multi-million dollar verdict is the quality of your paper trail. Don't give them an excuse to win.

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