First, make the property safe, prevent further damage where reasonable, and contact the police if the incident involved theft, criminal damage or another crime. Notify your insurer promptly using the details in your policy, explain what happened, and provide photographs, receipts, estimates and any crime reference number requested. The insurer may appoint a loss adjuster or ask for further information before deciding whether the policy covers the loss and what, if anything, it will pay after your excess. If you disagree with the outcome, use the insurer’s complaints process and consider contacting the Financial Ombudsman Service if the issue remains unresolved.