What do you do right after damage has happened?

If people are injured or in danger, call the emergency number 144, 117 or 118.

Turn off the water, cover windows, get things out of the water. The law requires this too.

Before clearing up, close up and as an overview.

For burglary, theft and accidents with injured people a report is needed.

As soon as you know about the damage. If you report late through your own fault, the insurer may reduce payment.

Damage to the building is the owner's responsibility.

Do not throw anything away before the insurer has agreed.

Receipts, proofs of purchase, invoices for emergency measures.

Say what happened, but do not promise payment. The insurer clarifies that.