Call early
Contact your insurance company soon after the loss and ask what they require. Many policies expect prompt notice and reasonable steps to prevent further damage.
Document everything
Take photographs and video of the damage and the source. Photograph affected belongings and keep a list. Keep damaged items until the adjuster says otherwise, unless they are hazardous.
Mitigate further damage
Policies usually require you to protect the property. Emergency services such as water extraction and board-up are generally part of that. Keep receipts.
Working with the adjuster
An adjuster will inspect, review documentation and estimate. You can share records from your restoration company. Ask questions and keep notes of every conversation.
Coverage varies
Policies differ in what they cover, such as flood versus water from a pipe. Read your policy and ask your agent. A restoration company cannot decide coverage.
Keep an organized file
Keep photos, estimates, logs, receipts and correspondence in one folder, on paper or digital.
Document early, mitigate promptly and keep everything in one file.
