The recent polar vortex and the damage it’s caused prompted a USA Today article focusing on how insurance handles such losses. While North Dakotan’s are not new to extreme cold, the lessons from the article are applicable to all claims. Here are the best tips from the article in USA Today.

If your property sustains damage, act quickly.

Snap photos of the damage and file a claim right away by calling your agent (preferred) or by using your insurance company’s mobile app or calling their claim number which can be found by using your search engine of choice.

Take steps to prevent further damage. For instance, cover broken windows or holes in the roof with tarps to keep moisture from coming inside.

Don’t start any work until the damage has been inspected by your insurer or you’ve received the green light to do so from them.

Above all, be safe.