PRIVATE CALGARY PROPERTY-DAMAGE CLAIM, REPAIR, AND RECOVERY EVIDENCE BOARD CalgaryRealEstateTips.ca working worksheet Last reviewed: July 19, 2026 PURPOSE Immediate danger, 911 decision, people, pets, safe access and occupancy; event type, exact discovery time, suspected start time, active source, current condition, weather and witnesses; 311, fire, ATCO, ENMAX, plumber, restoration and other response contacts; utility shutoff and reconnection; insurer, broker, policy, claim reference, adjuster, instructions, proof-of-loss and next update; exact property occupancy use vacancy rental suite renovation and business facts; safe original-condition exterior room-by-room wide and close photographs video water lines openings debris meters notices and adjacent undamaged areas; emergency mitigation authority scope rates equipment monitoring demolition salvage disposal storage change orders assignment payment and stop rules; contents item ownership room quantity make model serial condition photos receipts repair clean replace salvage storage disposal and settlement; contractor legal identity qualifications licensed trades liability insurance referral claim contract deposit financing assignment payment milestones change orders warranty and complaints; source cause extent moisture drying contamination mould sewage fire smoke soot structure electrical gas envelope plumbing roof and specialist findings; condo corporation unit owner landlord tenant neighbour City common property unit boundary standard insurable unit betterment deductible policy notice and disputed responsibility; Calgary project building electrical gas plumbing fire suite and occupancy permits inspections engineering and closeout; insurer and contractor line-item scopes demolition drying testing code matching overhead tax depreciation deductible limits exclusions owner upgrades and unresolved gaps; mortgage lender claim cheque endorsement advances financing liens holdbacks deductible uncovered work and cash reserve; temporary housing additional living expense eligibility questions budget receipts pets work school accessibility review date and return evidence; restore improve partial repair cash settlement sell-as-is or delay decision; repair specifications materials models hidden-work photos substitutions quality inspections deficiencies completion invoices payments warranties and maintenance; claim chronology delay denial underpayment complaint liaison ombudservice Alberta amount-of-loss dispute legal review requested resolution settlement release and limitation questions; current Calgary value claim and repair impact disclosure representation listing buyer insurance appraisal financing contract holdback possession and sale timing; secure file locations privacy approved channels task owner written authority due date status next update stop gate safe housing financial repair transaction and no-transaction fallbacks. Use this worksheet to collect property-specific evidence and make the next decision visible. It is an educational planning aid, not legal, tax, lending, appraisal, engineering, inspection, insurance, condo-document, or other professional advice. DECISION CONTEXT Name(s): ________________________________________________ Property / community / search area: _______________________ Property type: ___________________________________________ Budget, price, or value range: _____________________________ Decision to make: _________________________________________ Deadline and reason: ______________________________________ Primary goal: _____________________________________________ What would make me pause or walk away? ____________________ TOPIC EVIDENCE [ ] Immediate danger: ________________________________________________ [ ] 911 decision: ________________________________________________ [ ] People: ________________________________________________ [ ] Pets: ________________________________________________ [ ] Safe access and occupancy: ________________________________________________ [ ] Event type: ________________________________________________ [ ] Exact discovery time: ________________________________________________ [ ] Suspected start time: ________________________________________________ [ ] Active source: ________________________________________________ [ ] Current condition: ________________________________________________ [ ] Weather and witnesses: ________________________________________________ [ ] 311: ________________________________________________ [ ] Fire: ________________________________________________ [ ] ATCO: ________________________________________________ [ ] ENMAX: ________________________________________________ [ ] Plumber: ________________________________________________ [ ] Restoration and other response contacts: ________________________________________________ [ ] Utility shutoff and reconnection: ________________________________________________ [ ] Insurer: ________________________________________________ [ ] Broker: ________________________________________________ [ ] Policy: ________________________________________________ [ ] Claim reference: ________________________________________________ [ ] Adjuster: ________________________________________________ [ ] Instructions: ________________________________________________ [ ] Proof-of-loss and next update: ________________________________________________ [ ] Exact property occupancy use vacancy rental suite renovation and business facts: ________________________________________________ [ ] Safe original-condition exterior room-by-room wide and close photographs video water lines openings debris meters notices and adjacent undamaged areas: ________________________________________________ [ ] Emergency mitigation authority scope rates equipment monitoring demolition salvage disposal storage change orders assignment payment and stop rules: ________________________________________________ [ ] Contents item ownership room quantity make model serial condition photos receipts repair clean replace salvage storage disposal and settlement: ________________________________________________ [ ] Contractor legal identity qualifications licensed trades liability insurance referral claim contract deposit financing assignment payment milestones change orders warranty and complaints: ________________________________________________ [ ] Source cause extent moisture drying contamination mould sewage fire smoke soot structure electrical gas envelope plumbing roof and specialist findings: ________________________________________________ [ ] Condo corporation unit owner landlord tenant neighbour City common property unit boundary standard insurable unit betterment deductible policy notice and disputed responsibility: ________________________________________________ [ ] Calgary project building electrical gas plumbing fire suite and occupancy permits inspections engineering and closeout: ________________________________________________ [ ] Insurer and contractor line-item scopes demolition drying testing code matching overhead tax depreciation deductible limits exclusions owner upgrades and unresolved gaps: ________________________________________________ [ ] Mortgage lender claim cheque endorsement advances financing liens holdbacks deductible uncovered work and cash reserve: ________________________________________________ [ ] Temporary housing additional living expense eligibility questions budget receipts pets work school accessibility review date and return evidence: ________________________________________________ [ ] Restore improve partial repair cash settlement sell-as-is or delay decision: ________________________________________________ [ ] Repair specifications materials models hidden-work photos substitutions quality inspections deficiencies completion invoices payments warranties and maintenance: ________________________________________________ [ ] Claim chronology delay denial underpayment complaint liaison ombudservice Alberta amount-of-loss dispute legal review requested resolution settlement release and limitation questions: ________________________________________________ [ ] Current Calgary value claim and repair impact disclosure representation listing buyer insurance appraisal financing contract holdback possession and sale timing: ________________________________________________ [ ] Secure file locations privacy approved channels task owner written authority due date status next update stop gate safe housing financial repair transaction and no-transaction fallbacks: ________________________________________________ CALGARY VERIFICATION CONTROL [ ] Property address, community, property type, and decision deadline are recorded. [ ] Budget, price or value range, monthly comfort, and cash reserve are separated. [ ] Current source dates and geography are written beside every market or rule-based claim. [ ] Relevant active alternatives and recent comparable transactions are identified. [ ] Financing, appraisal, insurance, legal, tax, inspection, condo, permit, or specialist questions have an assigned owner. [ ] Documents are saved in one folder with missing items and follow-up dates visible. [ ] The most expensive plausible downside has a cost range and funding plan. [ ] A credible backup property, community, timing, or transaction path is named. [ ] The walk-away or pause rule is written before urgency increases. [ ] The next review date and the evidence that would change the decision are recorded. EVIDENCE LOG Use one row per important fact. Record the source itself, not only who mentioned it. 1. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 2. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 3. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ RED / AMBER / GREEN DECISION BOARD GREEN - current, property-specific, understood evidence: ____________________________________________________________ AMBER - plausible but waiting on evidence or professional review: ____________________________________________________________ RED - material downside with no acceptable control or fallback: ____________________________________________________________ OPTIONS AND TRADEOFFS Preferred path: ____________________________________________ Best credible alternative: _________________________________ What the preferred path improves: __________________________ What it costs or makes harder: ______________________________ Worst plausible outcome and estimated cost: ________________ How that downside would be reduced or funded: ______________ NEXT-STEP BRIEF Current best decision: _____________________________________ Why the evidence supports it: _______________________________ Three unresolved questions: 1. _________________________________________________________ 2. _________________________________________________________ 3. _________________________________________________________ Next action: _______________________________________________ Owner: __________________________ Due: _____________________ Review trigger: ____________________________________________ Next review date: __________________________________________ PROPERTY-SPECIFIC HELP When requesting help, include the property or community, property type, budget or value range, timeline, documents available, condition deadline, and the exact decision. A useful response should produce a shortlist, risk list, valuation path, document-review path, or assigned next-step plan rather than a generic sales reply.