Safety comes first
Call emergency services when needed and do not enter an unsafe building. Take reasonable steps to prevent further damage only when it is safe—for example, shutting off water or arranging emergency board-up service. Do not put yourself at risk to save property.
安全永遠優先
如有需要，請立即聯絡緊急服務；不要進入不安全的建築物。只有在安全情況下，才採取合理措施防止損失擴大，例如關閉水源或安排緊急封板服務。切勿為搶救財物而危及自身安全。
Report the loss promptly
Contact your broker or insurer as soon as reasonably possible and provide a factual description of what happened. Ask for the claim number, adjuster’s contact information, deductible and instructions before authorizing non-emergency repairs. Reporting a loss does not by itself confirm that coverage applies.
盡快報告損失
在合理可行情況下，盡快聯絡您的保險經紀或保險公司，並客觀描述事故經過。請索取索賠編號、理賠員聯絡資料、自付額及維修指示；在批准非緊急維修前先行確認。報告損失本身並不代表保險公司已確認承保。
Photograph, list and preserve
Take wide and close-up photographs or video before moving items when safe. Begin a list of damaged property and collect receipts, warranties, manuals, credit-card statements or earlier photographs that may help establish ownership and value. Keep damaged items unless they are hazardous or the insurer authorizes disposal.
拍照、列出清單並保留證據
在安全情況下，移動物品前先拍攝全景及近距離照片或影片。開始列出受損財物，並收集收據、保養文件、說明書、信用卡記錄或過往照片，以協助證明所有權及價值。除非物品構成危險或獲保險公司同意，否則不要自行丟棄。
Track every necessary expense
If the home cannot be occupied, ask whether Additional Living Expense coverage may apply and what limits, time periods or approvals are involved. Keep itemized receipts for reasonable additional costs such as temporary accommodation, meals, transportation, emergency supplies and pet boarding. Normal household expenses may not be reimbursable.
記錄每一項必要額外開支
如果住宅暫時無法居住，請查詢額外生活費用保障是否可能適用，以及相關保額、期限和事先批准要求。請保存臨時住宿、膳食、交通、緊急用品及寵物寄養等合理額外費用的明細收據。原本日常家庭開支未必可以獲得賠償。