How to file insurance claims and get the most back [Video]

BALTIMORE — Powerful storms caused damage throughout Maryland on Wednesday. Drivers and homeowners dealing with the clean-up will also need to file insurance claims.

The Maryland Insurance Administration has tips on filing claims. One of the first things policyholders should do is document the damage with photos and videos.

Call your insurance company as soon as possible to report the property damage. Keep a record of everyone you talk with about the damage, including your insurer, insurance adjuster and contractors. And make sure you understand what’s covered under your policy and how much your deductible is.

For automobile insurance, flooding is covered by comprehensive coverage, however, this is different than collision coverage. And per Maryland law, your insurance company has to total your vehicle if the repairs are more than 75 percent of how much your car is worth. It is important to know that your insurance company is allowed to make a safety or financial decision to …