Here are some steps to follow in the case of a claim:
Call your insurance representative as soon as possible.
Provide as much information about the circumstances and damage. Take photos if it is safe to do so.
Keep all receipts and invoices for additional expenses after your loss. A claims specialist or adjuster (who is paid by your insurance company) will contact you to investigate and explain the next steps.
Your insurance company will ask you to complete a “proof of loss” form.
Review your policy and become familiar with specified deductibles, coverage limits, and replacement values. The amount you receive will depend on the type of coverage you have.