Whether you have ACV or RCV coverage for your personal property, the process starts by filing a claim after a covered loss. Call your insurance provider or fill out their online claim form to begin the process.
You might want to take pictures of any damages to document the damage and help verify which items you need replaced or repaired. You'll likely need to save receipts for any replacement items you buy. Your insurance provider may need to see those, particularly if you have RCV coverage. If you do have RCV coverage, your insurer may provide you with a base lump sum payout for your new items and pay the difference between this and the actual cost of new items once it receives your receipts.