Here’s a scary statistic: About 70 percent of homeowners who filed claims after the 2020 California wildfires reported problems with their insurer, including difficulty getting claims paid, according to a survey by United Policyholders, a nonprofit that advises consumers on insurance claims. That’s just one incident, but take the message to heart: Following a natural disaster, you’ll commonly find yourself struggling with your insurer to cover damage to your home and its contents. But there are ways to help reduce the chances of insurance battles, both beforehand and during the crisis. To help speed up payments if disaster strikes, take these steps.

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