How Do You Document Storm Damage for an Insurance Claim?

Your insurance company decides what is covered based on the evidence you provide. Thorough documentation helps your claim move forward smoothly and reduces the chance of disputes. Without clear proof, you risk missing out on coverage for damage you deserve.

Begin documenting as soon as it is safe to do so. Walk through your property and note every area affected by the storm. Do not move or discard anything until you have photographed it. If you live in Bellingham, keep a written record of the date and time of the storm for your reference.

List every damaged item in a notebook or a digital document. Include the item name, brand, model number, purchase date, and estimated value. Note whether the damage was caused by wind, rain, or flooding. This inventory helps your insurance company understand the full scope of your loss.

For larger items like appliances or furniture, note their condition before the storm if you can. Keep any receipts or manuals you have. If you do not have receipts, write down where and when you bought the item. This information supports your claim and makes the process clearer for everyone involved.

• Take photos of the outside of your home from all angles
• Capture close-ups of damage to the roof, windows, and siding
• Photograph interior water lines, stains, and warped materials
• Record serial numbers and brand names of damaged appliances
• Write down the age and estimated value of each item
• Keep all receipts for temporary repairs and materials

Compile all your photos, videos, inventory lists, and receipts into one folder, either digital or physical. Make copies of everything for your own records. You will need to share this documentation with your insurance company when you file your claim. Keep your documents in a safe, dry place.

Your insurance company may send an adjuster to inspect the damage. Provide them with your inventory and any photos you have taken. Be honest and thorough in your descriptions. Policies vary, and your insurer decides what is covered. If you need help organizing your documentation, local water damage pros can assist with the process.

• Create a digital folder for all photos and videos
• Keep a physical copy of your inventory in a safe place
• Note the date and time of every photo you take
• Save all receipts for temporary repairs
• Write down any conversations you have with your insurance company
• Review your policy to understand what is covered