Contact your agent immediately. Give your name, address, policy number, and the date and time of your loss. Make sure to tell the agent where you can be reached, especially if you are unable to stay in your home. Follow up the call with a letter detailing the problem. Keep a copy of the letter. Your insurance agent will arrange for an adjuster to visit your property and assess the damage. Be sure the adjuster is properly licensed. You can call your state’s department of financial services or insurance commission to do a licensee check.
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