Prepare an inventory of all damaged or destroyed personal property. If you can, videotape or photograph the damage.
Make temporary repairs to prevent further damage – this includes, but is not limited to, roof tarps and water extraction as needed. Keep receipts and contracts!
Dispose of all spoiled food immediately. If you have insurance coverage for spoiled food, document your losses.
Hold off on permanent repairs until you’ve received approval for reimbursement.
Save remnants of damaged or destroyed property for your insurance company adjuster, and do not sign agreements with contractors or anyone else until you have a change to meet with an adjuster.
Keep a written record of everyone you talk to about your insurance claim, including the date of the conversation and a summary of what was said.
Keep all receipts!