Knowing the steps before something happens makes a stressful time a little easier.
Steps
- Make sure everyone is safe; call 911 if needed
- Prevent further damage if you safely can, and keep receipts
- Take photos and video of the damage
- Contact your insurer as soon as possible
- Keep a log of every call, name and reference number
- Don't throw away damaged items until the adjuster says so
If there's a dispute
Ask the insurer to explain its decision in writing. Your state's department of insurance can help with complaints.
General educational information, not insurance advice. Coverage depends on your policy and state. Savings Nestle isn't paid by any insurer, agent or broker.