Tips for easier claim filing

• Contact the appropriate authorities-the police or fire department. In case of theft or vandalism, your insurer will need your police report number.
• Don't sign anything or make any agreements with independent claims adjusters or contractors immediately after the event while you're still in shock.
• Have your insurance policy and particulars on hand.
• Don't make any permanent repairs or replace any damaged goods before talking to your insurer.
• Don't throw any damaged or destroyed materials away unless they pose a health risk.
• Take the time to draw up a list of all damaged, destroyed, or stolen property. Use your pre-prepared inventory or ask your insurer for a checklist to help you determine exactly what needs to be repaired or replaced.
• Make your claim as complete as you can. It is important to have as much proof of ownership as possible. Include receipts, bills, warranties, instructions, photographs, videos, statements of account, etc.
• If you don't have the necessary documents, describe the lost or damaged items, including names and models, where you bought them, how much you paid, and the date you purchased them.
• Take photographs or videos of all damaged items.
• Choose your contractors carefully (plumbers, electricians, etc.) and make sure they're licensed.
• Be careful about paying up front and never pay a bill in full before the work is complete.
• In case of fire, contact your mortgagee.
• If your house is uninhabitable, contact your insurer immediately to find out what compensation you're entitled to for additional living expenses. Ask for a cash advance if necessary.
• Five crucial steps

1. Contact the appropriate authorities (police or fire department).

2. Call your broker or insurer.

3. Protect what you still have and make sure the damage doesn't get any worse.

4. Talk to or meet with your claims adjuster. This is the person who analyzes the cause of the loss, assesses the damages, determines the amount of your indemnity, and tells you how to complete your claim. Your claims adjuster is there to help and guide you.

5. Repair or replace the items.