Something just happened to your home or business. Maybe it was dramatic — a tornado peeled off part of your roof, a fire broke out in your kitchen, your basement filled up with water overnight. Maybe it was quieter with a slow drip behind the wall that went unnoticed for months, and now there’s a black stain spreading across the drywall. Either way, you’re standing there asking some version of the same question: “What do I do now? And who exactly handles this?” The answer is