After property damage: what to do first

1. Make sure everyone is safe

   If you smell gas, see exposed wiring or the structure looks unsafe, get out and call 911 or the utility company first. Property can wait.

2. Stop more damage if you can do it safely

   Shut off the water, cover a damaged roof or broken window, and move belongings out of the wet area. Most policies expect reasonable steps to protect the property. Keep every receipt for supplies and emergency services.

3. Photograph and video everything before cleanup

   Take wide shots of each room and the outside, then close-ups of the damage. Include the date if your phone allows. Don't throw damaged items away until they're documented, and ask your insurer before discarding large items.

4. Find your policy

   The declarations page lists your coverages, limits and deductible. If you don't have the full policy, ask your insurance company or agent for it.

5. Report the claim promptly

   Call your insurance company or file online. Write down your claim number and the adjuster's name, phone and email.

6. Keep a claim log

   For every call, email and visit, write down the date, who you talked to and what was said. Ask for important answers in writing.

7. Save receipts for extra costs

   Hotel, meals, laundry, storage and emergency repairs. If you can't live in the home, your policy may cover additional living expenses.

8. Don't rush to sign

   Read anything the insurance company or a contractor sends before you sign it, and ask questions if something isn't clear.

This checklist is general information, not legal advice. Your policy decides what's covered and what you're required to do.