There could be several types of policies that cover property and the property itself could be stationery - like a building, or moving around - like your household goods being transported.
When you receive your policy familiarise yourself with the documents required for a claim as well as the procedures to be followed.
Whether or not a claim arises you must follow the various dos and don’ts in respect of your property for the duration of the policy. These dos and don’ts are termed warranties and conditions in your policy document.
In general, losses and damages, including those due to theft, fire and flood need be intimated to the relevant authorities such as the police, the fire brigade and so on. It is important to ensure that you intimate your insurance company to enable it to send a surveyor for surveying and assessing the loss.
Source: Insurance Regulatory and Development Authority