EMERGENCY WATER DAMAGE TIPS
Turn off the water source. Remove excess water by mopping and blotting. Remove and prop up wet upholstery cushions for even drying. Place aluminum foil or wood blocks under furniture legs. Remove oriental or other colored rugs from wet carpet. Punch small holes in sagging ceiling to drain trapped water.	Do not use a regular vacuum to remove water. Do not turn on ceiling fixtures if ceiling is wet. Do not enter areas where ceilings are sagging from trapped water. Do not leave books, magazines or other colored items on wet carpeting. Do not leave wet fabrics in place. Do not use TVs or other appliances while standing on wet carpet or floors. * Call Premier at 1.877.425.2466.

EMERGENCY FIRE AND SMOKE DAMAGE TIPS

Limit movement to prevent further damage. Place clean towels or rags on carpeted traffic areas to prevent additional soiling. If electricity is off, empty freezer and refrigerator and prop doors open. Pour antifreeze in toilet bowls, sinks and tubs to prevent freezing if heat is off in winter. Change furnace filter if blower is operating. Remove pets to a clean environment. Do not attempt to wash walls, ceiling or other absorbent surfaces. Do not use upholstered furniture if it can be avoided.

Do not attempt to shampoo carpet or upholstered furniture. Do not attempt to clean any electrical appliances that may have been close to fire or water. Do not use exposed food items or canned goods that have been subjected to excessive heat. Do not use TVs, stereos or electrical appliances until cleaned and checked. Do not send smoked garments to an ordinary dry cleaner. Improper cleaning may set smoke and odor. * Call Premier at 1.877.425.2466.

Protect Your Home From Further Damage You may find it necessary to take immediate steps to prevent further damage. Your policy will pay for “reasonable temporary or permanent repairs confined solely to protecting property from further damage.” You may choose a contractor or make these repairs yourself. In either case, save all bills and keep an accurate record of expenses in order to file a claim for them.

Obtain an Estimate Ask your contractor for a complete estimate of the cost to repair all damage related to the loss. Such an estimate should include: A complete breakdown of the damaged area(s). An itemized list that specifies the quantity and cost of materials needed for repairs. The amount and cost of labor to do each part of the job.

Separate Damaged and Undamaged Property Your claim adjuster will need to inspect all damaged property. If you are in doubt about any item, include it with the damaged property.

Itemize Your Contents Loss Your claim adjuster will give you a Statement of Loss form to help you itemize all damaged personal property. You should begin to fill out this form as soon as possible. Information you will need to gather in order to complete this form include: A description of the damaged or destroyed property (manufacturer or brand name and place of purchase, if known.) The age or approximate date of purchase. The cost to replace each item at today’s prices. Remember to list only damaged items for which you intend to file a claim.

Give All Necessary Information and Details You will have to give your claim adjuster much of the information needed to process your loss. Courtesy of the Travelers Property Casualty Company