• Focus on safety: Ensure everyone is safe and address any immediate hazards like fire or electrical issues.
• Document the damage: Take photos and videos of the damage from various angles, including close-ups of details.
• Contact your insurance company: File a claim as soon as possible. Keep a record of the date, time, and reference number of your claim.
• Secure your property: Take steps to prevent further damage, such as covering a broken roof with a tarp.
• Make a list of damaged belongings: Inventory your damaged possessions, including descriptions and estimated values.

While not mandatory, contacting a public adjuster early can be beneficial. They can review your policy, assess the damage, and advise you on the best course of action. This can be especially helpful if you have a complex claim or are unsure of your rights.

The specific documents required will vary depending on your insurance company and the type of damage. However, common documents include:

• Proof of ownership (deed, mortgage statement)
• Insurance policy documents
• Photos and videos of the damage
• Repair estimates
• Receipts for temporary repairs

Your public adjuster can help you gather and organize the necessary paperwork.

You don’t have to accept the initial offer. You can negotiate with your insurance company directly, or your public adjuster can do this on your behalf. If necessary, you can file an appeal with your insurance company or pursue legal action.