Claims

>  Make a detailed list and description of damage, including photographs if possible. Collect your cancelled checks, receipts and other documents to help the adjuster set a value on damaged or destroyed property.

>  Review your coverage. You might not be aware, for example, that your homeowners or renters policy pays for debris removal and for emergency housing and living expenses if your loss forces you to move temporarily. If you can't find your policy, ask us for a copy. 

> Do not make permanent repairs before an insurance adjuster inspects your home. Make only temporary repairs to protect your home from looting or further damage.

>  If possible, be present during the insurance adjuster's inspection and take notes on the discussion. You might want your own contractor/builder present to represent your interests. 

> Keep good notes on all contacts with your insurance company and adjuster. Your chance of getting a satisfactory settlement improves when you are well-prepared with the facts. Write down names, dates, and who said what. Remember, good records help your cause if you want to complain to the Department of Insurance about an insurance company's decision or contest it in court. 

> Don't agree to a final claim settlement until you are satisfied that it is fair. You're entitled to obtain independent estimates if you wish. 

> Get more than one bid for construction or repair work.  Try to use a local contractor with a good reputation.  Large claim events like storms often attract fly-by-night operators who do shoddy work or skip town after receiving advance payments.