What to Expect During a Water Damage Insurance Inspection

According to the Insurance Information Institute, over 20% of homeowner insurance claims involve water damage.

If you’ve filed a water damage insurance claim, one of the most important steps in the process is the insurance inspection. This is when your insurance company sends an adjuster to examine the damage, assess your claim, and decide how much compensation you’ll receive. Knowing what to expect during this visit can help you feel more prepared—and ensure you get the full payout you’re entitled to.

At Local Restore Pro, we’ve helped hundreds of homeowners navigate inspections and claims successfully. Here’s a clear breakdown of how to get ready and what to look out for.

Why the Inspection Matters

Whether it’s from a burst pipe, roof leak, or appliance failure, insurance adjusters must verify the cause, extent, and cost of the damage. This step heavily influences your claim’s approval and settlement amount.

What Happens During the Inspection

1. The Adjuster Will Review the Cause of the Damage

The insurance adjuster’s first task is to confirm the origin of the water damage. They’ll check whether it came from a covered source (like a sudden pipe burst) or something typically excluded (like long-term leaks or floodwater). Be ready to explain when the damage occurred, how you discovered it, and what immediate actions you took.

2. Damage Will Be Inspected and Documented

The adjuster will:

• Take photos and videos of affected areas

• Examine floors, ceilings, drywall, and personal property

• Check for signs of mold, rot, or structural issues

Do not to start major repairs until after the inspection — removing evidence too early could weaken your claim.

3. You May Be Asked to Provide Evidence

To strengthen your claim, provide:

• Your own photos and videos taken right after the damage occurred

• A list of damaged items with estimated values

• Any repair estimates or reports from restoration professionals

Local Restore Pro can provide licensed, detailed assessments that support your claim and validate repair costs.

4. You’ll Receive a Preliminary Estimate

After the inspection, the adjuster will either share an initial damage estimate or let you know when the full report will be completed. Be sure to request a copy of this report and review it closely. If you find inaccuracies, you can dispute the estimate or request a second opinion.

Tips to Prepare for Your Inspection

• Clean up standing water, but don’t throw out damaged materials until approved

• Make a list of all affected items and areas

• Have a contractor like Local Restore Pro present during the inspection to advocate for a full, accurate assessment

• Take notes during the inspection to track what was reviewed

  
  

Get Expert Help During the Claims Process

Insurance inspections can feel overwhelming, especially when your home is already in disarray. Local Restore Pro assists homeowners throughout the entire claim process — from documentation to inspection to restoration. We know what adjusters look for, and we make sure your claim gets the attention it deserves.

Need help with your inspection or claim? 

Fill out the form below and schedule a FREE on-site damage evaluation with our team today.