DENVER -- Residents evacuated as a result of the Fourmile Canyon Fire should contact their insurance agents immediately with emergency contact information, the Rocky Mountain Insurance Information Association said Tuesday.

For homeowners or renters who are under a mandatory evacuation order, the association said they likely have insurance coverage for additional living expenses that provides them with a certain amount of out-of-pocket money under their insurance policy while they are forced out of their homes.

"Evacuated residents should contact their insurance agent or company representative immediately to let their company know how they can be reached and if they need additional living expenses while they are forced out of their home," said Carole Walker, executive director of the RMIIA. "As residents are allowed to return to their homes, document damage and take photographs to provide to your insurance adjuster. Be aware that serious losses will take priority over homes that suffered only minor damage."

RMIIA has this insurance advice for homeowners affected by wildfire:

Residents evacuated from their homes should contact their insurance agents or companies immediately and let them know where they can be reached. As adjusters are allowed into the burned-out areas, they will want to go in with their policyholders to assess the damage.

Contact your agent or company if you need additional living expenses while you are out of your home.

Keep receipts. Out-of-pocket expenses during a mandatory evacuation are reimbursable under most standard homeowner policies.

Be prepared to give your agent or insurance representative a description of your damage. Your agent will report the loss immediately to your insurance company or a qualified adjuster who will contact you as soon as possible to inspect the damage.

Take photos of the damaged areas. These will help with your claims process and will assist the adjuster in the investigation.

Prepare a detailed inventory of all damaged or destroyed personal property. Be sure to make two copies -- one for yourself and one for the adjuster. Your list should be as complete as possible, including a description of the items, dates of purchase or approximate age, cost at time of purchase and estimated replacement cost.

Make whatever temporary repairs you can. Cover broken windows, damaged roofs and walls to prevent further destruction. Save receipts for supplies and materials you purchase. Your insurance company will reimburse you for reasonable expenses in making temporary repairs.

Secure a detailed estimate for permanent repairs to your home from a reliable contractor and give it to the adjuster. The estimate should contain the proposed repairs, repair costs and replacement prices.

Serious losses will be given priority. If your home has been destroyed or seriously damaged, your agent will do everything possible to assure that you are given priority.

In case of possible evacuation -- only if you have enough warning -- consider packing the following items:

Social Security cards

Driver's licenses

Credit cards

House deed

Vehicle titles

Marriage license

Birth certificates

Insurance policies

Home inventory list/photos (take photos of your home possessions before evacuating, if time allows)

Health insurance cards

Prescription medications

Important personal computer information downloaded to disk, or laptop

Valuable jewelry

Photographs

Home videos

Items with sentimental value, such as wedding dress or baby keepsakes

One week's worth of clothing

Pets with ID tags, carriers, and pet food

During fire season, many mountain residents compile a "go bag" containing many of these items, so they grab it quickly on the way out the door.