Make temporary repairs
Take reasonable steps to protect your property from further damage. Save receipts for what you spend and submit them to your insurance company for reimbursement.
Repair Records
The insured must "keep an accurate record of repair expenses," according to policy conditions Without documentation, the insured will have no basis for a claim for reimbursement. Furthermore, policy conditions states that the repairs must be both reasonable and necessary.
Prepare a list of lost or damaged articles
You are going to need to substantiate your loss. Avoid throwing out damaged items until the adjuster has visited your home. You should also consider photographing or videotaping the damage. Prepare a home inventory, make a copy for your adjuster and supply him or her with copies of receipts from damaged items
