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  • Writer's pictureBrady Grewe

Best Practices for Documenting Water Damage for Insurance Claims

Updated: Jul 7

Water damage can wreak havoc on your property, but proper documentation is key to navigating insurance claims successfully. Stress levels go through the roof when unexpected damage occurs. Everyone wants to start cleaning up or whatever they can to make their home safe again. Which on paper sounds like the right thing to but… I have had multiple water damage cases with clients who have had sewage back up or what damage their home. They go above and beyond to get everything cleaned up the best they can. Then they call to file a claim with insurance and get a hold of me. The problem is they cleaned up everything really well and did not take any pictures of the initial sewage back up. Their insurance did not want to pay for some of the things they deserved because it was impossible to prove which parts of the home had been touched by the sewage. I hope the tips in this article help make sure you get everything documented correctly so everything is covered as it should be if you have any water or fire damage. 



The Importance of Water Damage Documentation

When it comes to filing insurance claims for water damage, thorough documentation is non-negotiable. From initial assessment to restoration efforts, every step of the process should be meticulously documented to support your claim and ensure fair compensation. Let's explore the best practices for documenting water damage effectively.


1. Document the Initial Damage:

As soon as water damage occurs, document the extent of the damage with photographs and videos. Capture wide-angle shots of affected areas, including walls, floors, ceilings, and belongings. Take close-up photos to highlight specific damage, such as saturated carpets, water stains, and structural deterioration. The more photos the better. 

2. Record Details and Descriptions:

Accompany your visual documentation with detailed descriptions of the damage. Note the date and time of the incident, the cause of the water damage (e.g., burst pipe, roof leak), and any visible signs of damage or deterioration. Include relevant measurements and dimensions to provide context for the extent of the damage. If you get a pipe fixed by a plumber make sure to document that as well and save the invoice for more proof. 

3. Preserve Evidence of Mitigation Efforts:

Document any mitigation efforts undertaken to prevent further damage to your property. Keep records of water extraction, drying techniques, and mold remediation efforts, including the equipment used and the duration of the mitigation process. Retain receipts and invoices from restoration professionals for reference.

4. Maintain a Detailed Inventory:

Create a detailed inventory of damaged belongings, including descriptions, quantities, and estimated values. Document any items that require disposal due to irreparable damage. Organize receipts, warranties, and purchase records for damaged items to facilitate the claims process.

5. Communicate Clearly with Your Insurance Provider:

When filing a water damage claim, communication is key. Provide your insurance provider with clear and concise documentation of the damage, including photos, videos, and written descriptions. Keep records of all correspondence, including emails, letters, and phone calls, for reference.

6. Seek Professional Assistance:

Navigating the insurance claims process can be complex, especially when dealing with water damage. Consider enlisting the expertise of a public adjuster, insurance claims specialist, or a mitigation company to advocate on your behalf and ensure a fair settlement.


By following these best practices for documenting water damage, homeowners can strengthen their insurance claims and maximize their coverage. Renew by Grewe Restoration is committed to supporting homeowners throughout the claims process, providing expert guidance and restoration services to restore their properties to their pre-loss condition.


Water Inside a Home: Documented with a Picture.
Document Water Damage

Warm regards,

Brady Grewe

Owner

Renew by Grewe Restoration


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