What to do when something goes wrong??

[Cora Griffin]

We have a rental property. It has a big rod iron fence on a track and support bars to keep it aligned. And the renters had pushed it of the track and they are saying that the wind blew it over onto the small boy. She was in the back of the house when this happened. He was alone in the front. This gate is very heavy for wind to blow it over. My question is should I contact my insurance company even before she has took any steps that way? Or should I wait and see what happens?