Take whatever steps you can to protect the property from further damage. Keep track of the steps taken and any cost incurred as those expenses may be insured under your policy with us. If the loss involves a criminal act, please notify the local police as soon as possible. Promptly contact your Broker or Agent to report the loss. In the event the loss has occurred outside of normal business hours, and you require urgent assistance, please follow the directions above for our after hours claim service. Prepare an inventory of the loss or damage. Your HTM Insurance Adjuster will contact you as soon as possible thereafter.