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Water Damage

How do you document water damage for insurance claims?

Quick Answer

Proper documentation starts immediately: wide-angle photos showing overall damage, close-ups of affected materials, and video of standing water with date/time stamps. Contact your insurance company within 24 hours. Professional restoration companies provide detailed moisture readings, drying logs, and repair estimates that adjusters require.

Immediate Documentation Steps

  • Photos: Wide-angle shots showing overall damage, close-ups of affected materials, photos of the water source
  • Video: Walk-through video of all affected areas with standing water visible
  • Date/time stamps: Ensure your phone’s timestamp is accurate
  • Before any cleanup: Document everything before moving a single item

Written Documentation Checklist

  • Detailed damage inventory: every affected room, material, and item
  • Timeline of events: when you discovered the damage, what you did, when you called professionals
  • Water source identification: burst pipe, appliance failure, storm, etc.
  • All receipts: emergency services, temporary repairs, hotel stays
  • Phone log: date, time, name, and summary of every conversation with your insurance company

What Professional Restorers Provide

  • Moisture readings from all affected materials (baseline and daily progress)
  • Drying logs showing equipment placement and performance
  • Detailed written scope of work and repair estimates
  • Photo documentation throughout the restoration process
  • Direct communication with your adjuster when needed

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