1. Notify your insurer
Contact your broker or insurer and describe to him to the best of your ability the circumstances surrounding the loss.
2. Limit the damage
It is your responsibility to take steps to limit the damage or stop the situation from deteriorating, but do not make any permanent repairs before speaking to your insurer. If you are able to do so, document the loss (with pictures or videos). If water damage has occurred, dry everything as quickly as possible to avoid mold developing. If you throw out water soaked items, make sure to take a picture and describe them for the purposes of settling the claim. In case of fire, do not enter the building before receiving permission from the competent authorities.
3. Authorize emergency work
In order to avoid further damage occurring, emergency work may be necessary. You can retain the services of a disaster restoration professional or your insurer can suggest one and even dispatch the company to the site, but make sure you properly understand what they are doing and how much it will cost before giving them authorization to proceed.
4. Meet with the claims adjuster in charge of your file
The insurer will designate a claims adjuster to settle your claim. He will guide you through the claims process. He will investigate the cause of the loss, estimate the damages and negotiate the settlement with you.