It is important to keep damaged items because the insurance company may want to see them. Burnt or soaked property can be kept in a shed or garage. Arrange for a claims inspector to call on you. Send a loss adjuster to handle the whole claim. The claims inspector is employed by the insurance company and will arrange with you the basis on which your claim will be settled.
Loss adjusters are independent experts with a good knowledge of the area in which they operate.
They are skilled in assessing claims and in advising on the best repair and reinstatement methods. They will recommend to the insurance company the way in which your claim should be settled. There is usually no need for you to appoint someone to act on your behalf. If you do, remember you will have to pay their fees yourself. Insurance companies usually want to see evidence of ownership and value of property which has been lost or damaged.