After the storm has cleared or the fire has died down, your sense of relief at surviving may quickly give way to a sense of shock when you gaze at the charred or battered wreckage that used to be your home and all the stuff inside it. If there's any consolation, it's that you have a homeowners insurance policy that will help to make you whole again.
But before that can happen, you have to file a homeowners insurance claim. While documenting your personal disaster and the harm that it's caused you may be emotionally painful, it's an essential step in getting on with your life. And the process isn't necessarily that complex or difficult, especially if you've had the foresight to prepare for it in advance with a careful inventory of your home and property.