Immediately take reasonable steps to prevent further loss — cover exposed openings, tarp damaged areas, board up breaches. Keep receipts for every emergency protective action. These costs are typically reimbursable as part of the claim.

Photograph and video the entire loss scene before any cleanup. Document every affected area from multiple angles. This documentation becomes your evidence — without it, claims adjusters work from incomplete information.

Contact your insurance agent and carrier as soon as possible. Most policies require prompt notification — and delays complicate claims. Call us at (234) 231-8427 and we’ll initiate the claims process with the carrier directly.

The carrier will require a formal proof of loss — an itemized accounting of what was damaged and its value. Work with your contractor and our team to prepare this accurately and thoroughly.

The carrier assigns an adjuster to inspect and evaluate the loss. Provide full access, documentation, and cooperation. Keep detailed records of every adjuster communication.

Once the claim is settled, use the proceeds to repair or replace the damaged work. Keep documentation of all rebuild costs — additional claim supplements may be available if hidden damage is discovered during repairs.