Document Before You Clean or Repair Anything
The single most important rule: document the full extent of damage before any cleanup, demolition, or repair begins. Once materials are removed and restoration starts, the evidence of damage is gone. Insurance adjusters, and potentially a public adjuster or attorney, need to see what the damage actually looked like.
Take 5-10 minutes to photograph thoroughly before touching anything. This documentation is the foundation of your claim.
Photography Checklist
- Every affected room: Wide-angle shots from each corner showing full room context, plus floor-level shots showing water coverage and damage
- The water source: The broken pipe, failed appliance, backed-up drain, or point of entry — photographed before it's repaired
- Water lines and depth indicators: Water stains on walls showing the high-water mark; furniture legs with water marks; visible tide lines
- Structural damage: Buckled flooring, damaged drywall, warped baseboards, sagging ceilings
- Every damaged personal item: Furniture, electronics, appliances, clothing, artwork, documents
- Close-ups with identification: Serial numbers and model information for appliances and electronics
Written Documentation to Prepare
- Room-by-room inventory: List every damaged item, its estimated age, original purchase price or replacement cost, and condition before the event
- Timeline log: When damage was discovered, what you observed, steps taken, who was contacted and when
- Contractor records: Written estimates and invoices from restoration and repair contractors
- Communication records: Notes of conversations with insurance company, adjuster name, claim number, and dates
- Sample materials: Keep samples of damaged flooring, carpet, and wall covering for any disputes about material type and quality
Frequently Asked Questions
What should I photograph after water damage?
Every affected room, the water source, water level marks, structural damage, and all damaged personal property — from multiple angles, before any cleanup.
Should I save damaged items?
Don't throw anything away until documented or seen by the adjuster. Photograph every item individually and keep a written inventory.
How long do I have to report to insurance?
Report promptly — most policies require timely reporting. Call as soon as possible, even while mitigation is underway.
Find Restoration Help in Your City
WaterDamageSource is an educational resource. Insurance policy terms and claims procedures vary. Review your specific policy and consult your insurer about their specific documentation requirements.