8 tips on filing insurance claims

ª Call your insurer or agent promptly.

ª Find out what your policy covers and deductibles.

ª Prepare a list of the damage and document it with photos, video, and detailed notes.

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ª Make temporary repairs to protect your property from further damage, but postpone permanent work.

ª Save receipts for emergency repairs and temporary living expenses.

ª Once a claim is reported, write down claim number and track dealings with company.

ª Contact your agent or adjuster if dissatisfied with settlement offer.

ª If you run into problems, contact the Massachusetts Division of Insurance at 617- 521-7777. You may also consult an attorney if damage is large enough.

SOURCES: Massachusetts Division of Insurance, Consumer Federation of America