What should be done if property is damaged and requires immediate repairs?

The correct approach when property is damaged and requires immediate repairs is to document the damage, take photos, and keep receipts for repairs. This process is essential for several reasons.

First, thorough documentation provides a clear record of the extent of the damage, which is crucial for the insurance claim process. By taking photos and maintaining receipts, the policyholder establishes a timeline and evidence of what occurred and what was necessary to fix the damage.

Second, keeping these records ensures that the repairs can be accurately assessed and reimbursed by the insurance company. Insurers often require proof of loss, and having detailed documentation supports the policyholder's claim and helps to expedite the review process.

Overall, this approach balances the need for immediate action (to prevent further damage and address safety concerns) with the necessary steps to ensure that the insurance claim is handled effectively and fairly.