If you have to make a claim on your homeowners insurance, there are a number of steps you should take to protect yourself and speed the insurance process.

First, notify the police immediately of any theft or loss. Get copies of all police reports. Call your insurance company and notify the company of the loss as well. In some circumstances, you will need to follow up your call with a written claim.

Second, develop a list of damaged, stolen, and destroyed items. Submit receipts for any additional living expenses to your insurance company as needed if the loss required you to live outside the home. Provide information requested by your claims adjuster and accommodate the insurance company as much as possible.

Finally, review the steps of settlement explained in your policy and follow these steps exactly. If you are dissatisfied with the settlement offer, request a meeting with your insurance agent and claims adjuster. If you are not satisfied after this meeting, contact your insurance company’s consumer affairs office or the state insurance commissioner and explain your concerns.