Water Damage Insurance Claims: Documentation Checklist

Before cleanup starts

• Photos and video of every affected room
• Water depth and the source if known
• Date and time you discovered the damage

Records to keep

• List of damaged items with approximate age and value
• Receipts for emergency expenses
• Invoices and reports from contractors
• Notes from every call with your insurer, including claim number

Check your policy

Coverage for overland flooding, sewer backup and gradual leaks varies between policies. Review your policy or speak with your broker to understand what applies.