When a flood or fire-damaged collection is covered by insurance, full settlement of a claim cannot be realized until the lost and damaged materials have been listed and their values established. The extent and success of possible restoration must also be determined. In the event that a claim is anticipated as a result of such damage, every item should be salvaged, frozen, and dried. After drying, the affected materials should be shelved in a specially equipped environmental storage area, isolated from the main stacks, and there inspected and monitored over a period of time. Such a policy is the best guarantee of sound judgments by custodians, consultants, and adjusters when they must calculate the degree of loss as a basis for compensation.