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.
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