For example, immediately repair broken windows in your home or car but wait until an adjuster has inspected the damage before making permanent repairs. Keep receipts for all repairs. Homeowners must have proof of these expenditures for insurance reimbursement or for income tax deductions. If you cannot stay at home because of the damage, homeowner and renter policies cover the cost of staying in a hotel, motel or other temporary residence while repairs are made. Be patient when filing a claim.
Insurance companies bring in additional adjusters after natural disasters.
Policyholders with the most significant damage will be targeted first.