How to Document Water Damage for a Successful Insurance Claim

May 31

2 min read

Damaged wooden wall with visible mold and water stains at the base, set against a concrete floor, suggesting a damp and neglected area.

29% of all homeowner insurance claims are related to water damage and freezing (Insurance Information Institute)
An average claim on water damage tends to exceed $11,000 (Insurance Information Institute)

When water damage strikes your home, acting fast is essential—not just for safety and cleanup, but for ensuring your insurance claim gets approved. Proper documentation is one of the most overlooked steps in the claims process. Without it, you may face delays, reduced payouts, or outright denial. At Local Restore Pro, we help homeowners not only restore their properties but also navigate the insurance maze with confidence. Sign up for FREE Consultation with us today here.

Why Documentation Matters

Your ability to document thoroughly can make or break your claim. Insurance companies require proof of damage, timelines, and repair needs. Many claims get denied or underpaid simply due to incomplete evidence - incomplete documentation.

Man in a suit writing with a pen on documents in a dimly lit office. Scales of justice and a gavel are on the desk, suggesting a legal setting.

Step-by-Step: How to Document Water Damage Properly

1. Act Immediately, But Safely

Before documenting, make sure your home is safe.

Shut off the water source if possible and avoid areas with electrical hazards. Once safe, begin gathering documentation right away.

2. Take Clear Photos and Videos

Photograph every affected area. Capture:

Standing water
Wet flooring and carpets
Damaged walls, ceilings, and belongings
Water source (burst pipe, appliance, roof leak, etc.)

Use your smartphone to take both wide shots and close-ups. Don’t discard anything until your adjuster sees it.

3. Record the Timeline

Note the exact date and time the damage occurred or was discovered. Include any steps you took to minimize further damage, like turning off the water or using fans.

Hands writing a to-do list in a spiral notebook. The background is a wooden surface, and the mood is organized and focused.

4. Make a List of Damaged Items

Create a written inventory of all affected items. Include:

Description of each item
Approximate value
Purchase date (if known)
Condition before the damage

This helps justify replacement costs during your claim.

5. Collect Repair Estimates

Hire a licensed contractor (it can be done through Local Restore Pro) to inspect the damage and provide a detailed written estimate. Having multiple quotes can strengthen your claim.

6. Save Receipts

Keep records of:

Cleanup supplies
Temporary repairs
Hotel stays (if you had to evacuate)
Any emergency services used

Insurance may reimburse you for these expenses.

7. Notify Your Insurance Provider

Once your documentation is complete, call your insurance company and file the claim. Provide everything you’ve gathered and request an in-person inspection with your adjuster. You can manage your claim professionally by working with a professional restoration company, like Local Restore Pro. We assist homeowners during insurance inspections, help provide the necessary documentation, and ensure that nothing is overlooked.

Don’t Let Poor Documentation Delay Your Recovery

Filing a successful water damage insurance claim starts with proper documentation. The more thorough your records, the smoother the claims process will go. If you’re facing water damage, don’t wait—our experts are here to help from start to finish.

Let us help you rebuild right. Fill out the form below and get started with your FREE damage assessment today.