How to document water damage.
Photos, serial numbers, receipts and samples: the checklist that backs up a claim.
- Photograph and film before you clean, fix or throw anything out.
- Record serial numbers, keep material samples and receipts.
- Throw out health risks only after you have documented them.
The Texas Department of Insurance (TDI) and FEMA's flood-insurance program both say to document before you do anything. These are FloodSmart.gov's seven steps, in its order.source [2]
- 01
Photograph and film before cleanup or repairs.
Clear photos and video of damaged items before you clean, fix or throw them out. Wide shots and close-ups of walls, floors and furniture.source [2, 9] Include the insides of closets and cabinets.source [1]
- 02
Capture water levels and structural damage.
Water marks on walls, furniture and appliances, plus damage to floors, ceilings and foundations.source [2]
- 03
Record serial numbers.
For damaged electronics and appliances, especially large ones such as washers, dryers and refrigerators.source [2, 1]
- 04
Keep material samples.
Save small pieces of damaged carpet, drywall or insulation for your insurance agent. FEMA notes that material type and quality may affect claims.source [2, 1]
- 05
Save receipts.
Keep receipts for repair costs and replacement purchases.source [2, 8]
- 06
Keep warranty details.
Retain warranty or manufacturer information for any appliances you replace.source [2]
- 07
Discard health risks only after documenting.
Once photographed, throw away items that pose a health risk: spoiled food, moldy clothing, cushions and pillows.source [2] Everything else stays until your adjuster has seen it.source [8]
FEMA advises consulting your insurance adjuster or insurance company before you sign any cleaning, remediation, or maintenance agreement.source [1]