If you need to make a claim at any time, make sure that you take all sensible steps to minimise damage (from a leaking pipe, for example, by switching off the water), to report a theft or crime in a prompt manner, to keep all projected costs or receipts for repair work and to ensure that your policy covers the loss or damage. Just remember, that any action taken on the part of the homeowner which necessitates a larger payout will almost certainly be disregarded by the insurer.
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