Water Damage Insurance Checklist

Insurance Documentation Checklist

• Take wide photos of each affected room.
• Take close-up photos of damaged flooring, drywall, ceilings, cabinets, and belongings.
• Record the suspected source of water damage.
• Save receipts for emergency services, repairs, cleanup, and temporary expenses.
• Create a written inventory of damaged personal items.
• Keep damaged materials until your insurance company or adjuster provides guidance.
• Write down the date and time the damage was discovered.

Claim Communication Checklist

• Record your claim number.
• Write down the insurance representative name.
• Save all emails and written communication.
• Document every phone call with date, time, and notes.
• Ask what documentation is required.
• Ask whether emergency mitigation is covered under your policy.

Restoration Documentation Checklist

• Keep moisture readings if provided.
• Save drying logs if available.
• Save invoices and estimates.
• Photograph equipment placed in the property.
• Document demolition or material removal before and after.

FAQ

Does insurance cover water damage?

What photos should I take?

Should I clean up before the adjuster arrives?