Protect what you can.
Keep a clear record.
Safety, timely communication and organized records can help you manage the next conversation. Your policy and local requirements determine your obligations.
Ask what is needed and when.
Report the loss through your insurer’s verified channel promptly. Ask about notice requirements, forms, inspection arrangements and deadlines. Keep a dated record of the answer. Saving records in NDI does not notify your insurer or file a claim.
Capture the condition, safely.
Take clear photos or video of accessible damage and list affected belongings. Add dates and locations. Keep original files and distinguish what you observed from a professional’s findings. For flood losses, FEMA’s flood-insurance guidance explains useful photos, receipts and material samples; follow current safety and disposal instructions.
Source: National Flood Insurance Program: documenting flood damage ↗
Ask about safe temporary measures.
Policies may require reasonable steps to protect property after a loss. Ask your insurer what applies, arrange safe temporary measures with qualified help, and keep receipts. Coordinate permanent repairs with the claims process and applicable requirements. Do not delay urgent safety measures to complete an online checklist.
Source: California insurance department: property claims guide ↗. General orientation; your jurisdiction and policy may differ.
Follow up on what is unresolved.
Keep estimates, receipts and correspondence together. Ask for a written explanation of coverage or payment decisions you do not understand. If a dispute remains, contact your insurance department or an appropriately qualified adviser. Policy limits, deductibles, exclusions and repair requirements affect outcomes; NDI cannot promise a payment or an exact restoration result.
Your records. Your choice of help.
Use the free documentation checklist, gather your questions, and check each professional’s role and qualifications. Saving or exporting your records in NDI does not submit an insurance claim or engage a professional.
Official sources reviewed October 29, 2026. This page provides general education, not an interpretation of your policy. NDI is privately operated and is not a government agency or your insurer.