Here’s a few important things you should be aware of if you ever have a fire or say a tree fall through your roof and you have to make that dreaded call to the insurance agent.

1. Know your insurance coverage. It is too late after your building burns to become acquainted with the nuances of insurance.

2. If you don’t understand your policy get your agent to explain it.

3. After a loss, take pictures and notify your agent asap.

4. Do whatever seems prudent to protect your property from further damage or unwanted intrusion. The policy encourages you to do this.

5. When you meet with the insurance company representatives be prepared. This includes points one, two, and three above.

6. Get your own estimate from a contractor that is familiar with the bidding process insurance companies are comfortable with.

7. Try to get your contractors to agree with insurance company contractors as to the scope of repair.

8. If there are substantial differences in the estimates it usually is that the scope of repair is not the same or the unit price is understated.

9. If your claim is under $20,000 you should be able to work things out on your own. If the claim is in excess of this, you may need professional representation from your public adjuster or attorney.

10. Don’t be shy about making your point of view known to the insurance company. Remember they will not be shy about theirs.