Here are some useful tips that can help in the case of an incident. To report a claim by phone, refer to our list of our partner contact numbers Don't throw away or destroy damaged items until the claims adjuster has inspected them. Locate your property inventory. Take pictures of the damaged items as soon as possible as some items may continue to break down. Collect your documents, photographs, receipts, and other paperwork for any items claimed in the loss. Start a new file for receipts, expenses, repairs, and other costs related to the loss. Depending on your policy and coverage, repairs, replacement, clean up, and even lodging may be covered. Unless it's required to prevent further damage, don't clear, clean, or perform other tasks until you have authorization from the insurance company. Tell your claims representative or adjuster about any damaged items that are a potential health hazard. They can help let you know what to do next.