Gather All Information and Document Everything
The duty to cooperate means keeping and turning over pertinent documents and doing so as soon as possible. Again, prejudice rules generally apply, but doing it right may help eliminate the argument. When a loss occurs, therefore, gather every scrap of information pertaining to it and err on the side of providing more documentation than you think is necessary or even reasonable. This will help your insurance company, which may be trying to satisfy the demands of its reinsurer (and is required even when this is not the case). If the requests for information are unreasonable, write to your insurance company and ask what it really needs to confirm coverage.
To read the article: Tough Love Gets Claims Paid