Home Disaster Planning If you incur damage

What to do if there is damage to your property.


  • Contact your insurance agent or if unavailable your insurance company to report a claim.
  • Make temporary repairs to prevent further damage to your property. This would include covering breaks in a roof, wall or windows with plywood, canvas or other waterproof material. Do not have permanent repairs made. Unauthorized repairs may not be reimbursed.
  • As soon as you can, prepare a detailed inventory of all damaged or destroyed personal property for the adjuster. Be sure to keep a copy. Include as much information as possible including: description, cost, replacement cost, and date of purchase.
  • Take photos or video of damage.
  • Start cleaning up.
  • Do not throw anything away until you have spoken with your adjuster. (Very Important)

What to do if you have damage to your automobile.


  • Call the police for all accidents.
  • Exchange insurance and personal information with all other vehicles involved.
  • Contact your insurance agent or if unavailable your insurance company to report a claim.
  • Take photos or video of all damage.
  • If your vehicle has been damaged by water, let it dry out. Do not attempt to start or operate it until it is thoroughly dried, and we recommend you have a mechanic look at it before starting.