4. Keep a list of the items you think are damaged or lost. Go through your whole house and ask everyone who lives in your house to recall any item that was previously there but is now missing. If your home insurance includes replacement cost coverage, you can have your old items replaced even if the values are different.

5. Wait for your home insurance claim. If you want to file a home insurance claim right after a natural disaster, chances are you will not get immediate attention from the home insurance company. This is especially true when the damages on your property are not as serious as what other homeowners are experiencing. While waiting, you can stay in communication with your home insurance agent so that you can get updates about when you can get your home insurance claim. John Cutts