This checklist will help keep you on track during this stressful time. We’re rooting for you…

• Take care of your family’s immediate needs first.
• Finding temporary housing is a priority. Your insurance company should help you find a place of similar size.
• Start a recovery diary.  Any notebook will do. Take notes on who you talked to, the number you called, date and time, what was said.  Keep your paperwork organized.
• Get a complete and current copy of your insurance policy.
• Ask your insurance company for cash advances for:
  • Living expenses
  • Replacing personal property
• Keep all receipts while you are displaced. Hotel bills, clothes, and pet boarding may be reimbursed but require receipts.
• Take photos of your property before any cleanup or debris removal happens.
• Do not rush into signing contracts. Get copies of ALL paperwork you do sign.
• An insurance adjuster may come and inspect your home.  If they make you a settlement offer on the spot, get a 2^nd opinion on what you’re entitled to.
• Inventorying your damaged and destroyed property is time-consuming and unpleasant.  UP offers tips and tools for getting this done.
• Give your insurer a chance to do the right thing, but be prepared to stand up for your rights and get help if you’re not being treated fairly.
• Register with a “Case Manager” – they can help make referrals to resources.
• Register with FEMA (federally declared disaster) and the SBA (state disaster declarations needed)
• For more specifics and guidance on the insurance claim process, visit the Claim Guidance Library.