The fires raging in Southern California today raise a number of concerns for those whose homes have been destroyed and those waiting for word about their properties. Families whose homes have been damaged or destroyed must first provide shelter, food and clothing for their loved ones, and then face the agonizing task of sorting through the rubble.

The Insurance Information Network of California, a not-for-profit communications organization serving the insurance industry, wants homeowners to know their insurance companies are concerned for their safety and settling insurance claims is secondary to protecting lives.

IINC reminds homeowners to stay calm and contact their agents at their earliest opportunity. The following tips are offered to help affected homeowners restore their lives as quickly as possible: Do not try to return to your home or the area until told to do so by local authorities. Do not endanger yourself. None of your possessions are worth your life.

Report the damage as soon as possible to your insurance agent or company representative.

If your home is badly damaged but can be repaired, do what you can to prevent further damage. Cover holes in windows, roofs, walls and doors with plastic or boards. Your insurance company will consider this as part of your claim, so be sure to keep the receipts for any materials you buy. Don't make extensive permanent repairs until after a claims adjuster has been to your home and assessed the damage.

Most homeowners policies cover the cost of temporary housing and other living expenses while you are displaced from your home. Ask your agent if you have this coverage. If you do, your insurance company will advance you money for temporary shelter, food and clothing. Keep your receipts so you can give them to your claims adjuster. If your car was damaged and you have comprehensive coverage in your auto policy, this damage will be covered by your auto policy.

Make lists of damaged or destroyed possessions. The more information you can provide about your belongings - a description of the item, date of purchase and what it would cost to replace or repair - the more quickly you can settle your claim.

Remember, the most important possessions you have are you and your family. If you are asked to evacuate your home, please heed the advice of your local authorities and do so immediately. If you have time, retrieve only irreplaceable items and if possible, your insurance policy. But do not under any circumstances put yourself in danger.

IINC has available free brochures, "Settling Insurance Claims after a Disaster," and "Taking Inventory," to help homeowners begin the claims settling process. These are available by calling 1-800-397-1679.