Water Damage Insurance
Claims Guide

Before anything else, stop the source of water if safe to do so — shut off the main water valve, turn off the appliance, or move items away from the leak. This prevents further damage and shows your insurer you took reasonable steps to mitigate loss.

Take photos and videos of ALL damage before any cleanup. Capture wide shots of each room, close-ups of damaged items, the water source, and water levels. Save these files with timestamps. This documentation is the foundation of your claim.

Call your insurer's claims line within 24 hours. Most policies have a reporting window — delays can reduce or deny your claim. Ask for your claim number, adjuster assignment, and coverage limits. Note the date, time, and name of everyone you speak with.

Contact a certified water damage restoration company immediately. They'll begin emergency mitigation (water extraction, drying) to prevent mold and further damage. Most reputable companies work directly with insurance adjusters and can document damage for your claim.

Your insurance company will send an adjuster to assess the damage. Be present during this visit. Walk them through every affected area. Share your documentation and the restoration company's moisture readings. Don't sign anything until you understand the full scope of coverage.

Keep every receipt — emergency hotel stays, replacement essentials, meals (if displaced), restoration costs, and temporary repairs. Most policies cover "additional living expenses" (ALE) if you can't stay in your home. Submit organized expense reports to your adjuster.