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coach outlet in niagara falls institute spokeswoman. "A lot of the companies are putting phone apps out there for their customers. So people can take a home inventory right then and there, and store it on their cellphone and then send it to the insurance company."The Travelers Cos. and The Hartford Financial Services Group, for example, are among property casualty insurers that offer tips on their websites explaining how to file a claim.You can file a claim by calling your insurer, or visiting a mobile claims center often a large vehicle the insurer sends to a disaster site. If you can't find your insurance agent or your insurer's claim number, call the Connecticut Insurance Department at 800 203 3447.Sometimes claims are paid in installments, including a possible emergency advance for living expenses, according to the insurance department.When a claim is processed, if you think you aren't getting the full amount owed, ask the insurer to explain which language in the policy applies to your claim. Keep a diary of the people you talk to, and of what was said and when. Contact the consumer affairs unit at the Connecticut Insurance Department if you believe your insurer is not paying the full amount as indicated in your policy.Connecticut, as home to the Insurance Capital, often sends claims adjusters to other states to assess damage from disasters, but this time adjusters don't have to travel far to respond to calls from customers. The Connecticut Insurance Department last week processed requests from out of state claims adjusters to work here after Irene hits."It's been a long time since we've had a hurricane,"