Filing insurance claims: What you need to know

Many homeowners and renters are scrambling to file insurance claims in the aftermath of Superstorm Sandy.

Officials say that it's important to remember that damage inspections should not cost any money, and you need to contact your insurance agent to get someone to your home to assess the property as soon as possible.

To prepare for an assessment, you should inventory all damaged items by taking individual photos and videos, if possible. Samples or swatches should also be taken of carpeting, wallpaper and other items where quality will be a claims factor.

If you've been forced to relocate, keep all receipts for alternate accommodations as many policies will provide coverage for the cost of additional living expenses.

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