Senen Garcia, a lawyer in Coconut Grove, Fla., represents homeowners against insurance companies that fail to pay out on valid claims. He’s seen many denied claims because people don’t keep good enough records. “Homeowners must document everything that occurs during a loss, do as much as possible to mitigate [the loss]—and document such mitigation,” Garcia says.
In addition to saving receipts, contracts and appraisals, document phone calls by writing down who you spoke to and when. And be sure to stow it in a secure place! Don’t want to invest in a safe? Consider keeping digital copies online using a program like Dropbox.