Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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In the event of a loss, the first thing you must do is protect the rest of your property from further loss. For example, if you are able to put sand bags around your property during a flood, you should do so. Another example may be to fence off damaged property, prohibiting “wanderers” from strolling onto the property and getting injured. Take photographs or videos of damaged areas, if possible.

The next step is to notify your insurance company of the loss. Almost all insurance companies have toll-free telephone numbers for their claims departments. Be aware that most conversations with the claims department of an insurance company will be recorded.

Once your claim has been presented to the insurance company, the next step is to have the claims adjuster come to the property and assess the loss. Some companies have claims adjusters on staff and others employ independent adjusters.