Water damage claim checklist
Ask for the required items first, then collect the optional items that are already available. The goal is a cleaner first pass, not a perfect final claim package on minute one.
Photos to collect
5 itemsCapture the pipe, appliance, fixture, drain, roof opening, or other visible source if it can be documented safely.
Get the full room from multiple corners so the carrier can see how far the water spread.
Photograph ceilings, drywall, baseboards, cabinets, flooring, and visible moisture lines.
Show puddling, saturation, swelling, staining, or active dripping while conditions are still visible.
Photograph affected furniture, rugs, electronics, boxes, and other contents before disposal when possible.
Documents and details to collect
5 itemsNote when the water was discovered, when it likely started, and when it was shut off or contained.
Collect the emergency mitigation estimate, invoice, or drying log if cleanup has started.
Helpful when a plumber, roofer, or source investigator has already inspected the loss.
Include the contractor or restoration estimate if one is already available.
Capture fans, tarps, cleanup supplies, hotel stays, or other immediate out-of-pocket expenses.