When filing a policy claim after a natural disaster, you should be fully prepared with the following:

* Survey your property and make a list of all damage. Do not move any item, but take an inventory of damaged goods. Try to include when you purchased an item, the manufacturer’s name, the serial number, the place of purchase, the date of purchase, and the price.

* Take photographs immediately of all damage, inside and outside, including any standing water, as conditions may change by the time an inspector arrives.

* Do not throw out any damaged property unless it is a health hazard. If you must throw something out, take a picture of it before you do so and try to keep a sample.

* Assess your immediate needs, like covering doors, windows, and other exposed areas, and pumping out water. Protect your home from further damage, but do not make any extensive or permanent repairs. Instead, wait until the damage has been properly assessed. Also be prudent with expenditures because only reasonable temporary repairs will be part of the total settlement. And never consider a contractor who wants a large payment up front; at the same time, beware of low estimates because the work may end up being shoddy.

* After contacting your insurance company, expect a visit from an insurance adjuster within a couple of days or possibly longer depending on the magnitude of the disaster. If an adjuster has not contacted you to set up a visit within three days, call the insurance company back.

* When the adjuster visits, this is the time your damage will be officially assessed, so have your documents, notes, and photographs ready. This will speed the process of getting a detailed estimate of your property damage. You should both come to an agreement about the scope of damage and what needs to be repaired or replaced. Also let the adjuster know if you need an advance or partial payment for your loss. And be aware that many insurers include inspections of your electrical system, so make sure to inquire.

* If you have to dispute a claim, make sure you have taken detailed notes the conversations, with whom you spoke, and the dates and times. Keep all receipts for expenses incurred due to temporary repairs or costs of having to relocate, if your policy covers “Loss of Use.” Keep copies of any letters or documents you submit to your insurance company as well as any paperwork received in a safe place.

* Your claim is payable only after you and the insurer agree on the damages and the insurer receives your completed and signed “Proof of Loss” statement. Due to the sheer number of claims that are filed after a major disaster, be aware that the claims process may take longer than usual.

* As a general rule, don’t use the word “lawyer” until you are sure you are unsatisfied with your claim amount. If your claim has been denied, or if you think you are entitled to a larger payment, have your insurance company cite the specific language in your policy on which it is basing its decision. Seek mediation if you have problems reaching an acceptable settlement with your insurance company, as lawsuits can be expensive and protracted.

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