Using your camera or smartphone, conduct a thorough walk-through documenting the damage in each space. Shoot video and narrate if possible, highlighting everything from small electronics to appliances and furniture. “Any graphic representation of damaged items is helpful. You want to account for every single one of your items," advises Joseph King of the Insurance Institute for Business & Home Safety. "Look for serial numbers, model numbers and any paper receipts (if salvageable). Make 2-3 copies of each receipt, as you’ll need one for the adjuster and for your own records.” If you have have the receipts for damaged items, it will expedite settling your claim. Tip: You can also set the date stamp on your camera settings. Robert Hunter, director of insurance at the Consumer Federation of America, says, "If you later realize you have no pictures when you file a claim, don't forget that your family likely has pictures of rooms in your house from holidays or other celebrations that can be helpful in re-creating a list of your belongings.”

emergency