Your responsibilities

• Cooperate with the investigation.
• Be ready to prove the loss - show your receipts.
• If you don't have receipts, show photos of the damaged or missing items.
• Submit the information your company requests in a timely manner.
• Keep complete copies for your reference.

Your rights

You're entitled to:

• A clear explanation of what's covered.
• An itemized statement outlining how the company will pay your claim.
• A prompt response from the company.
• Timely payments and a claim decision. 
• An appraisal if you disagree with the amount of your loss.
• You can work with the adjuster your insurance company sends or hire a public adjuster (www.napia.com) (who works on your behalf to appraise and negotiate your property-insurance claim).
  

NOTE: Before you hire a public adjuster (www.napia.com), discuss with them and understand their proposed fees. Most public adjusters charge a percentage of the settlement.