5 ON YOUR SIDE: How and when to file insurance claims [Video]

Before Mother Nature packs a punch on your home, know what to do after she leaves town. We’re talking about understanding your homeowner’s insurance policy before you need it. Whether it’s a storm, flood or fire, Consumer Reports walks you through how to file a claim and get the most out of your insurance coverage.

Safety first. If your damage is catastrophic, start the claim process only when it’s safe and okay for you to be there. Contact your insurer. As soon as possible, document everything. Take plenty of photos and videos. Make a list of what was damaged and needs repair.

If you can’t get to your property, ask your insurer how to proceed to get the process moving. And make sure you are there when the adjuster visits so you see what they see.

Document all contacts …