Resource
Insurance Documentation Checklist for Water Damage
What to capture, when to capture it, and what the restoration record adds.
Before anything moves
Photograph each affected room widely, then close up. Include the suspected source, the water line on walls and any affected contents in place.
- Wide shots of every affected room
- Close-ups of damaged materials and finishes
- The source of the water where visible
- Contents in their original position
- The date and time of discovery
Notify promptly
Most policies expect prompt notification. Contact your insurer early even if the extent is not yet clear, and keep a note of who you spoke with and when.
Keep the paper trail
Retain receipts for anything you purchase in response, records of any trades attending and correspondence with your insurer or property manager.
What restoration records add
Moisture readings, drying logs, photographs of removed materials and a written scope give an adjuster the technical basis for the work performed.
A note on coverage
Coverage decisions are made by your insurer under your policy terms. Documentation supports the discussion; it does not determine the outcome.
This guide is general information for Scarborough property owners and occupants. Conditions at your property should be assessed individually.