Property insurance is kind of insurance policy that indemnifies the policyholder should the structure and/or its contents suffer damages or get stolen (contents). Damages to the structure or contents from fire, flood, etc. or theft of contents need to be communicated to the relevant authorities right away. If you've stored bills of the purchase of your contents, submit the same to your insurance company. It also helps if you click pictures of the damages sustained to your building structure and/or its contents and provide them to your insurance company.

Your insurance company will send a surveyor to visit your home or office to document the losses. After the insurance company has received the report from the surveyor detailing what all losses you have suffered, the benefits will be paid out. Familiarize yourself with the policy document at the time of buying a property insurance cover. This way, you'll know what exactly to do when you want to file a claim.