You must have your policy number and be prepared to describe the kind of property claim and the loss that is associated with it.
Contact your agent next. The agent will tell you what is covered and may arrange for an inspection of the property to figure out how much it will cost to cover the loss.
Before the agent inspects your property, do not attempt to clean up an item or an area on your own. Also, take pictures to record the damage or other loss.
Prepare yourself to cover your deductible. The loss will be compensated for by the insurance company, less your deductible.
You can save money by shopping for a new policy every few years, just like you can with car insurance.
