The short answer
Photograph and video everything before it's moved or thrown out, list every damaged item with its age and value, keep receipts for emergency costs, and save the restoration company's moisture readings and reports. Good documentation is the difference between a smooth claim and a long argument.
On this page
Photos and video
- the source: the broken pipe, the failed appliance, the roof damage
- a wide shot of every affected room, then close-ups
- the water line on walls, cabinets and furniture
- serial numbers and labels on damaged appliances and electronics
- the inside of closets, cabinets and storage areas
- a slow video walkthrough, narrating what you see
The inventory list
Make a spreadsheet or list with each damaged item, its description, brand and model, approximate age, what you paid and where you bought it. Receipts, bank statements and old photos help prove value. Keep damaged items until the adjuster has seen them, or ask whether photos are enough, especially for contaminated items that have to go.
Restoration records
Ask the restoration company for:
- initial moisture maps and daily moisture readings
- photos of materials before and after removal
- equipment logs showing what ran and for how long
- the itemized estimate and final invoice
These show the insurer why materials were removed and how long drying took. See structural drying.
Receipts and expenses
- emergency plumbing or roofing repairs
- supplies such as tarps, buckets, fans and storage bins
- hotel, meals and extra mileage if you can't stay home, since some policies cover additional living expenses
- replacement essentials like clothing and toiletries
Things people forget to list
- carpet pad, area rugs and rug pads
- items stored in the basement, closets and under beds: holiday decorations, tools, luggage, sports gear
- food in a refrigerator or freezer that lost power
- window treatments, lamps and small appliances
- books, photos and papers, even when they can't be replaced at their sentimental value
A typical claim timeline
| When | What usually happens |
|---|---|
| Day 1 | You stop the water, document, start mitigation and report the claim. |
| Days 1 to 5 | Drying runs, with daily moisture readings. The adjuster may visit or ask for photos. |
| After drying | The restoration company sends its mitigation invoice; repair estimates are prepared. |
| Repairs | The rebuild is approved and completed, with supplements for any hidden damage found. |
Timelines vary by insurer and by the size of the loss. Ask your adjuster what to expect and when.
A simple claim log
Write down every call and email with your insurer: the date, who you spoke with and what was said. Note your claim number on everything. If you disagree with a decision, ask for it in writing and point to the documentation. Our insurance guide covers coverage questions, and our main page on getting water damage help in Westfield covers getting help.
Frequently asked questions
Should I throw away water-damaged items before the adjuster comes?
Photograph and list them first, and ask your insurer. Contaminated items may need to go quickly for safety, so detailed photos are especially important.
What documents does the insurer need for water damage?
Usually photos and video, an inventory of damaged items, receipts for emergency expenses and the restoration company's estimate, moisture readings and invoices.
Can I start repairs before the claim is approved?
Start mitigation, such as water removal and drying, right away to prevent further damage. Check with your insurer before starting rebuild work.