Call your insurance agent right away. If you cannot reach your agent, most insurance companies have a toll-free number that can be called 24 hours a day. If you get a recording, make a note of the day and time that you left a message. When you speak to an agent, write down the claim number and the name of the adjuster given to your claim. Ask for a copy of your insurance policy, even if you think you have one, because policies change from year-to- year.