When filing a home insurance claim, it's best to know what you should and should not do. No one likes to experience catastrophes, especially when they are located in or around their home. These can be extremely traumatic, and they may even disrupt your entire life. But if and when something happens in your home, it's reassuring that you have home insurance to help cover the expenses that come with the repairs. Here are some tips on what to do and not do when filing a home insurance claim after a catastrophe strikes your home. DO call your insurance agent as soon as possible. You'll want to make sure that your family is safe, and we don't blame you for not even thinking about calling your insurance until you know they're safe and sound. But it is important you call them so they know what happened as soon as you can, and definitely call them before you call a contractor to start repairs. DO NOT assign your benefits to your contractor. Many contractors will have you sign a contract that gives them full authority of the claims process, including any payment from your carrier! Some disreputable contractors will pocket the cash before the repairs are complete, so you'll want to make sure that your contractor and their company are reputable. DO take pictures. You don't want to put yourself in more harm just to get the right angle of the damage. If your home was involved in a fire and the embers are still scalding hot, it only takes an iota of common sense to know that you should not step inside of the house. Contact the insurance professionals at Carver Insurance Services, Inc. for all of your home insurance needs, with offices in Menifee and Murrieta, for all of your Southern California insurance needs.