Call your Ins Company, they will walk you through the process;
Some companies have on-line claims process;
My last claim was totally painless, timely (< 2 weeks from start to finish) and no
negative aspects.
My only advice - don't get snotty with the person you're dealing with, this
will just annoy them and raise your blood pressure; Both of you are there to solve
a problem and there has to be compromise from both parties; I had a friend who
got snotty with the adjuster/ins company - it took 9 months to close the claim.....