Secure your property to prevent further damage (keep receipts for any materials used) and take photos of the damage.
Promptly report damage to your insurance company or agent. (make a claim)
Submit proof of loss forms or other claim forms if/when requested by your insurance company.
Set damaged items aside for later review/inspection by your adjuster.
Be sure you have a copy of your policy. If you do not have a copy of your policy, request a copy from your insurer or agent.
Review your policy for Loss of Use Provisions for Additional Living Expenses and Fair Rental Value coverages.
Review your policy to see if you can make reasonable and necessary repairs to protect the property from further damage. Don’t begin permanent repairs until damage is inspected by an adjuster or told to do so by your insurer.
Work with your adjuster and contractor to estimate the cost of repairs.
Receive claim check and begin repairs
There may be supplemental payments issued by the insurance company if additional damage is discovered in the course of repairs.
Be careful of scams (do not sign your entire claim check over to a contractor).
If the damage is extensive and you have a mortgage your claim check may list you and your lienholder as payees.
