This guide covers residential property insurance claims from the loss to the resolution, for the policyholder, the adjuster, and counsel. Part 1 covers the policy structure, the named-peril versus open-peril asymmetry between contents and dwelling, and the sublimits and endorsements that decide coverage. Part 2 covers valuation: actual cash value, replacement cost, the recoverable depreciation withheld until repairs are done, coinsurance, and the percentage deductibles that surprise people. Part 3 covers the policyholder's duties, any one of which can defeat a covered claim if ignored. Part 4 covers the exclusions that matter most, including flood, earth movement, the water damage line, mold, ordinance or law, vacancy, and anti-concurrent causation. Part 5 covers scope versus price, which decides most disputes and which almost no policyholder knows exists. Part 6 covers the proof of loss and the examination under oath, and Part 7 covers appraisal, the fastest remedy in the contract. Part 8 covers denial, prompt payment statutes, and first-party bad faith, and Part 9 covers the contractual suit limitation that ends more claims than any exclusion. Parts 10 through 13 cover contested causation, renters and condominium owners, catastrophe claims, and practice notes by role.