If you have a loss and believe that your homeowners insurance will cover it, gather as much information as possible about the event that caused the loss. If it was a theft, report it to the police right away and then get a copy of the police report. If the loss involves damaged property, take photographs or a video. While the memory is fresh in your mind, write down what happened. Minimize the possibility of further damage if possible--many homeowners insurance policies will cover the cost of any damage-control efforts. For example, if you have broken windows, get them covered immediately.

When you have the information ready, call your insurance agent or insurance company representative. It�s important to call as soon as possible after the loss. Your agent or company representative will fill out a claim form with you and give you any special instructions.

When you have filed your claim with the insurance company, the company will assign a claims adjuster to your case. If the damage is severe, the adjuster will visit the site to examine the property and determine the amount of reimbursement. If the claim is one of liability, the adjuster will work to determine who is liable. Often, when the damage is small and straightforward, you can work with the adjuster over the telephone.

Some people hire their own independent claims adjuster. This adjuster represents you and works with the insurance company to be sure you receive a fair settlement.

You can do some things ahead of time that will help if you ever have to file a claim. For example, keep receipts of your valuables. Also, take pictures of valuables when you purchase them--"before" pictures are always helpful to a claims adjuster. Keep the copies of receipts and photos outside the house, so you won't lose them if the house is damaged. The more information you and your adjuster have about the loss, the smoother the claims process will go.