Move damaged property to a protected area and begin cleaning and drying items damaged by water. However, you should not dispose of any items you believe may be a complete loss until an insurance company representative has examined them. Take photographs to show the way things look before you begin cleaning and repairing, and be sure to keep receipts for all cleanup expenses.
Most homeowners policies cover materials and reasonable labor expenses for temporary and emergency repairs in addition to any final repairs. Ask your company representatives whether the company will compensate you for work you do yourself. Keep all receipts.
Call your insurance agent to file a claim. If your agent is unavailable, call your insurance company directly and ask for the claims department. The company's phone number is listed in your policy or can be obtained through the State Corporation Commission, 1-800-552-7945, or the Bureau of Insurance directly, 1-804-371-9741. Consumer service representatives in the bureau's Property and Casualty Division can be reached by calling 1-804-371-9185. Brochures with more information for consumers and commercial businesses also can be obtained by dialing these numbers.
Consumers who are hearing- or speech-impaired may call through the SCC's Telecommunications Service for the Deaf (TDD) at 1-804-371-9206.