The short answer
Start with Thorough Visual Evidence
Begin documentation as soon as it is safe. Take wide-angle photos of each affected room to show the overall scope of the damage. Then, take close-up pictures of specific problems like soaked drywall, buckled floors, or damaged belongings. Videos are also excellent for capturing water flow or the sound of a leak.
Do not move anything or start cleaning before you have captured the scene. If you must move items for safety, take a picture first. Document the water source if you can find it, such as a burst pipe or a leaking appliance. This visual timeline is crucial for your records.
Create a Detailed Inventory List
Make a written or digital list of every damaged item. For each item, note its description, approximate age, purchase price, and current condition. Include serial numbers for electronics and appliances. This list becomes your personal property loss inventory, which is a standard part of the insurance claim process.
Be as specific as possible. Instead of 'sofa,' write 'leather sectional sofa, purchased 2020.' For clothing, estimate the number of ruined garments. High-value items like jewelry or art may need separate appraisals. This detailed accounting prevents disputes about what was lost and its value.
Communicate Clearly with Your Adjuster
When the insurance adjuster contacts you, provide your documentation in an organized manner. Share your photos, videos, inventory list, and receipts. Be prepared to walk them through the damage and explain the sequence of events. Clear communication helps ensure they understand the full extent of your loss.
Ask questions about the claims process and what to expect next. Take notes during your conversations, including the adjuster's name and the date. Keep a file of all correspondence, including emails and letters. This creates a clear record of your interactions with the insurance company.
What Not to Do During Documentation
Avoid throwing away damaged items until the adjuster has seen them. If you must dispose of something for health reasons, like soaked carpet padding, take extensive photos first and keep a sample. Never guess at values. Check your policy for coverage details, as policies vary, and your insurer decides what is covered.
Do not sign any documents from contractors that assign your insurance benefits to them without fully understanding the implications. Do not begin permanent repairs before the insurer has approved the work. Making major changes can complicate the claim and potentially lead to a denial of coverage.
- Do not delay starting your documentation.
- Do not clean or move items before photographing them.
- Do not discard damaged belongings before the adjuster's inspection.
- Do not forget to document the source of the water if visible.
- Do not rely on memory alone for your inventory list.
- Do not proceed with major repairs without insurer approval.
Water damage does not wait
Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.
Call Now (405) 565-9833Frequently asked questions
How long do I have to file a water damage claim?
Most policies require you to notify your insurer promptly after discovering damage. Check your specific policy for deadlines, often listed under 'Duties After Loss.' Delaying notification could give the insurer grounds to deny your claim, so contact them as soon as you have initial documentation.
Should I hire a public adjuster?
A public adjuster works for you, not the insurance company, to assess damage and negotiate your claim. They charge a percentage of your settlement. Consider one if your claim is large or complex, but understand the fee. For straightforward claims, you may handle it yourself.
What if my insurance denies part of my claim?
You have the right to ask for a detailed explanation in writing. Review your policy to understand the denial reason. You can appeal the decision with additional documentation or request a re-inspection. If disagreements persist, you may consult a qualified attorney who specializes in insurance disputes.