After a loss

If reasonably possible, take steps to prevent further damage to your property. Do not make any permanent repairs or alter the condition of your house before the adjuster has the opportunity to examine your damages. However, emergency repairs such as repairing holes in your roof or windows to prevent additional damage from occurring. Keep all of your receipts for any temporary repairs, to submit for reimbursement. Take photographs of the damage before any temporary repair is made.

Separate damaged from undamaged property as best you can. Do not throw away any damaged materials or belongings until the adjuster has had a chance to inspect them. If you must discard any damaged property because of health hazards, please photograph or in some other fashion be able to accurately describe these discarded items.

If the damage to your home is so severe that you are required to seek temporary lodging elsewhere, please immediately notify us and keep all receipts for expenses as you may be entitled to reimbursement.

Prepare an inventory of all damaged personal belongings and provide this to the adjuster when he visits your property. Give the adjuster copies of the original purchase receipts whenever possible to document the values. If your home requires repairs, you will choose your contractor. If you have a contractor in mind, provide that information to your adjuster. For larger claims, if you have a mortgage, the payment will be made to you and the mortgage company. You may wish to contact your mortgage company to determine what they require for endorsement of your claim payment.