Your Duty in the Event of a Loss?

Notify the police the same day if a law has been broken.
Immediately notify the agency and/or the Insurance company of the loss or damage, including a description of the damaged property involved, how, when, and where the loss occurred.
Take pictures as evidence of damaged property.
If you noticed any mold spot, your insurance company would refer you to a mold remediation company to do a professional cleaning.
Take reasonable steps to protect your property from further damage, make TEMPORARY REPAIR (save receipts) and wait until Insurance company assign a local adjuster.
Save all damaged items for inspection by an adjuster.
Complete a written inventory of your damaged items, it should include quantities, cost or value and a total amount of loss claimed.
Obtain 2 estimates for restoration of your property.