Call your insurers as soon as possible to report a claim.


         Notify your mortgage company and/or auto loan lender


         Be sure your home is safe prior to returning


         Because of lack of power, your purchases may need to be made in cash.


         Adjusters will start to visit areas once officials deem the area safe.


         Take pictures and videos of every area of your home and property.† Explain the damage in the video.† Do not throw anything away without first checking with your insurer.† You may be ask to show damaged items were damaged by the storm.


         If your home becomes uninhabitable and you have hotel, transportation, and meal charges, save your receipts.† People with wind coverage under their homeowners may be eligible for reimbursement for additional living expenses.† Flood insurance policies thru the government do not cover these expenses.


         Write down your company policy numbers, your adjusterís name, phone number, extension number, and your claim number.


         Ask questions.


         Be wary of fraud, always get a written estimate, do not sign repair contracts until you are certain the contractors are honest, have insurance, and check with your insurance company, the better business bureau, and ask for references.† Most insurance companies have a list or network.


         Notify your utility and cable providers if your residence is uninhabitable, so the bills will be halted until such time as these services can be restored.††


         Your agent can be very important in assisting you through the claims process along with your adjuster.