One loss-adjuster reckons that only a fifth of the claims he sees are fully genuine.

ECONOMIST: Premium market

The insurance company may send you a proof-of-loss form to complete, or an adjuster may visit the home first.

WSJ: Filing a Claim? Here's What to Do

Your agent will report the loss to your insurance company or to a qualified adjuster who will contact you as soon as possible in order to arrange an inspection of the site.

FORBES: Are Policyholders and Taxpayers Footing More of the Bill for Natural Disasters?

First step: Immediately ask your adjuster for an extension on submitting proof of loss.

FORBES: Magazine Article