Water Damage Insurance Claim Documentation Checklist

Filing a water damage insurance claim requires meticulous documentation. A single missing detail can result in denied coverage. Use this checklist to ensure you build an airtight case for your adjuster.

1. Visual Documentation (Do this immediately)

• ✓ Wide-Angle Photos: Take photos of every affected room from all four corners before moving anything.
• ✓ Close-Up Photos: Capture close-ups of specific damage to drywall, flooring, and furniture.
• ✓ Source Photos: Photograph the broken pipe, leaking appliance, or storm damage that caused the water intrusion.
• ✓ Continuous Video: Walk through the house recording a continuous video describing the damage aloud.

2. Inventory Logging

• ✓ Damaged Items List: Write down every damaged item, including brand, model, age, and estimated replacement cost.
• ✓ Keep the Evidence: DO NOT throw away damaged belongings until the adjuster has inspected them in person.
• ✓ Gather Receipts: Locate purchase receipts or credit card statements for high-value damaged items.

3. Mitigation and Contractor Records

• ✓ Emergency Service Receipts: Keep receipts for tarps, wet vac rentals, or emergency plumbing repairs.
• ✓ Contractor Estimates: Obtain detailed, written estimates from a certified restoration company. Call 1-800-755-8108 to get a fair quote from a vetted pro.
• ✓ Moisture Logs: Ensure your restoration contractor provides the daily moisture readings and drying logs.

4. Communication Log

• ✓ Claim Number: Record your claim number and keep it accessible.
• ✓ Adjuster Details: Note the name, phone number, and email of your assigned adjuster.
• ✓ Call Log: Keep a notebook detailing every phone call with your insurance company, including the date, time, who you spoke with, and what was discussed.