Report the loss as soon as Possible.
Contact your insurance agent or insurer as soon as you can. Provide a general description of the damage
and have your policy number handy if possible. Write down the adjuster's name, phone number and work schedule as soon as you have them.
Prepare a list. Keep damaged items or portions of them until the claim adjuster has visited, and consider photographing or
videotaping the damage to document your claim. Prepare a list of damaged or lost items for your adjuster.
Keep receipts.
If you need to relocate, keep records and receipts for all additional expenses. Most insurance policies cover emergency living
arrangements.
Return claim forms.
After your insurance company has been notified of your claim, it must send you the necessary claim forms within a certain
number of days (time period varies by state). Fill out and return the forms as soon as possible. If you do not understand
the process, be sure to ask questions and write down the explanation.
Cleanup.
When starting the cleanup process, be careful, and use protective eyewear and gloves if available. Adjusters may tell
business owners to hire a professional cleaning service.
Build stronger next time.
When you're ready to start repairs or rebuild, work with your contractor to make the new structure disaster-resistant.
This information was taken from the IBHS publications "You Can Go Home Again" and "Getting Back to Business." For more recovery
and rebuilding information, visit the IBHS website at www.disastersafety.org.
The IBHS works to reduce the social and economic effects of natural disasters and other property losses by conducting
research and advocating improved construction, maintenance and preparation practices.
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American Massage Therapy Association®
