How do I handle a total loss claim?

A total loss claim, such as from a house fire, requires a systematic approach. First, ensure your family is safe and find temporary housing. Notify your insurance company immediately. Your loss of use coverage will cover temporary housing and living expenses. Compile a complete home inventory of everything you lost, using photos, receipts, and credit card statements. Work with the adjuster to establish the full scope of structural and personal property losses. Keep all receipts for temporary expenses. Be prepared for the process to take months. A public adjuster can be valuable for total loss claims.