Insurance Claim Documentation Wizard

Photo checklist, claim timeline, and adjuster call script — everything you need before cleanup begins.

Photo Documentation Checklist

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Wide shot of each affected room showing water level / spread
Close-up of water source (pipe, appliance, ceiling stain, floor drain)
Water line marks on walls and baseboards
Damaged flooring, carpet, and furniture (before moving)
Electrical outlets and appliances near water
Exterior source if applicable (roof, foundation, window)
Serial numbers on failed appliances
Timestamp-visible photos (phone clock or newspaper in frame)

Claim Timeline Builder

DiscoveryWater damage discovered — document immediately
+0 minShut off water source / cut power to affected areas
+15 minCall IICRC-certified restoration company
+30 minCall insurance company — obtain claim number
+1 hrRestoration team arrives — moisture mapping begins
+24 hrDaily moisture readings logged (request copies for claim)
+3–5 daysStructural drying complete per IICRC S500 thresholds
+7–14 daysInsurance adjuster inspection / reconstruction estimate

Insurance Adjuster Call Script

Hello, I'm calling to report a water damage claim.

Property address: [YOUR ADDRESS]
Date/time of loss: [DATE/TIME]
Cause of loss: [e.g., burst pipe under kitchen sink / washing machine overflow / storm flooding]

The damage affects: [ROOMS — e.g., kitchen, adjacent dining room, basement]
I've already contacted a restoration company who is documenting moisture levels.

I have photos and video of the damage taken before any cleanup began.
Can I have a claim number and the name of my assigned adjuster?

Questions I need answered:
1. Is this loss covered under my policy?
2. What is my deductible?
3. Do I need prior approval before reconstruction begins?
4. Does my policy include Additional Living Expenses if the home is uninhabitable?
5. Will you accept the restoration company's moisture logs and scope of work?

My contact number: [PHONE]
Best time to reach me: [TIME]

Export claim packet

Not legal advice. Review before sending to your insurer.

For insurer-specific guidance, see our insurance claims hub.

Hello, I'm calling to report a water damage claim. Property address: [YOUR ADDRESS] Date/time of loss: [DATE/TIME] Cause of loss: [e.g., burst pipe under kitchen sink / washing machine overflow / storm flooding] The damage affects: [ROOMS — e.g., kitchen, adjacent dining room, basement] I've already contacted a restoration company who is documenting moisture levels. I have photos and video of the damage taken before any cleanup began. Can I have a claim number and the name of my assigned adjuster? Questions I need answered: 1. Is this loss covered under my policy? 2. What is my deductible? 3. Do I need prior approval before reconstruction begins? 4. Does my policy include Additional Living Expenses if the home is uninhabitable? 5. Will you accept the restoration company's moisture logs and scope of work? My contact number: [PHONE] Best time to reach me: [TIME]