CALL your insurance agent immediately. Review policy coverage amounts.
TAKE photographs and/or video of the damage.
KEEP samples or swatches of carpeting, window coverings, and other items to be replaced before discarding them.
TAKE photographs of appliances and their serial numbers before disposing of them.
MAKE only temporary emergency repairs.
WAIT for an insurance adjuster before making permanent repairs.
MAKE sure your address is visible from the street. Make a sign, if necessary.
BE THERE when the insurance adjuster comes.
KEEP receipts for repair materials.
KEEP a record of all repairs.
MAKE a list of damaged or lost items.
PROVIDE original receipts, if possible, for damaged items.
PREVENT mold growth on water damaged structures and possessions.
KEEP receipts for any extra living costs such as hotels and restaurant meals.
CHECK for deadlines or special requirements for submitting claims.
KEEP a record of communications with the insurance agent and insurance company.
FOLLOW up with the insurance company about your claim.