Documenting Water Damage for Insurance

Good documentation can make the water damage cleanup process easier to explain. Before major cleanup begins, take a few minutes to record what happened, what was affected, and what steps were taken to prevent more damage.

Take clear photos and videos

• Capture wide shots of each affected room, then closer photos of floors, walls, ceilings, baseboards, contents, and the suspected source of water.
• Use video to show the path water travelled and the extent of standing water or wet materials.
• If safe, photograph equipment, broken pipes, sump pump issues, sewer backup signs, or exterior water entry points.

Make a simple written timeline

• Write down when the issue was discovered and when you took action.
• Note any calls made to plumbers, restoration companies, insurance providers, or property managers.
• Record whether water was clean, storm-related, sewer-related, or from a plumbing source if you know.

Track damaged contents and materials

• Create a list of affected furniture, stored items, flooring, drywall, insulation, trim, and personal belongings.
• Keep photos of items before disposal when safe to do so.
• Do not throw away materials before checking with your insurance provider unless they present an immediate hazard.

Keep restoration records

• Save invoices, estimates, drying logs, photos, and any notes from restoration work.
• Ask your insurance provider what documentation they require for your specific policy.
• Professional restoration records can help show what work was completed and why certain materials were removed.