Make a list of damaged articles, and provide any other information the adjuster requests to process your claim. Prepare a copy of all information delivered to the insurance company. Review the settlement steps outlined in your policy. If you're dissatisfied with the proposed settlement offer, explain your position. If there's a significant difference between what the insurance company offers and what you believe you're entitled to, you may wish to submit the dispute to arbitration.
Some policies impose time limits such as three, six or nine months.
Other policies pay the difference between normal.