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    Tips on filing insurance claims

    - Call your insurer or agent promptly.

    - Find out what your policy covers and deductibles.

    - Prepare a list of the ­damage and document it with photos, video, and ­detailed notes.

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    - Make temporary repairs to protect your property from further damage, but ­postpone permanent work.

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    - Save receipts for ­emergency repairs and ­temporary living expenses.

    - Once a claim is reported, write down claim number and track dealings with ­company.

    - Contact your agent or ­adjuster if dissatisfied with settlement offer.

    - If you run into problems, contact the Massachusetts Division of Insurance at 617- 521-7777. You may also consult an attorney if damage is large enough.

    SOURCES: Massachusetts ­Division of Insurance, ­Consumer Federation of America