Immediately after your home or business property sustains damage:
Take a video or photographs of the damage and gather contact information of any witnesses to the accident, an official police report, and receipts for any costs you incurred, such as bills for hotel lodging or vehicle rental.
Contact your insurance company. Even in the case of a property damage car accident in which you intend to seek compensation from another driver’s liability insurance policy, you must still report the accident to your insurer. If you want to file a claim against your homeowners or property policy, request that your insurer provide you with claims forms.
Be careful about the terminology you use when you describe the property damage for your insurer. For example, if you say your home was “flooded,” it can cause problems for you, as most insurance companies do not cover flood damage. They do, however, cover water damage.
Contact an experienced attorney who can assist you in the claims process.