- Take pictures and video of the damage. Also, make a list of the damage inside and outside your house or car. Don't throw any damaged items away until your insurance company tells you.
- Prevent more damage. Remove standing water. Cover broken windows and holes to keep rain out. Save all receipts. Your policy may pay for temporary repairs.
- Be available for the adjuster visit. You can make sure they see everything.
- Keep a list of everyone you talk to at your insurance company. Be ready to answer questions about the damage.
- Ask about living expenses. If you can’t stay in your house after a storm, most policies will cover some related costs. Keep your receipts.
- Get more than one bid or repair estimate. That will help you decide which offers are too high or too good to be true.
- Check references and phone numbers. Call the Better Business Bureau to see if a contractor or body shop has complaints.
- Don't pay in full up front. And don’t make your final payment until work is done.
- Avoid contractors who offer to waive your deductible. It’s illegal to waive a homeowners deductible under state law. Your insurance company may ask for proof that you paid your deductible.
- Never sign a contract that has blank spaces.