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Do I have to keep ruined belongings in the house until the adjuster arrives?

Photograph items and identifying details when safe, make an inventory and ask your insurer what evidence or samples it needs. Do not leave a health hazard in the living area solely for inspection. FloodSmart says to document losses and discard items that pose health risks. For other damaged property, coordinate disposal and storage with the adjuster. Ask about specialist evaluation of valuable or sentimental items before treating everything as unsalvageable.

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