How to Document Damage for an Insurance Claim

We always encourage clients to take photos before, during and after renovations or construction because you never know when damage might occur and it’s easier to be prepared – and usually doesn’t cost anything but a few minutes of time.

You also want to try to take photos of what was damaged as soon after it occurred as possible and before anything is moved, shifted or changed. Your insurance company wants to know exactly what happened so document it that way. Use caution when taking photos – no one wants a medical claim added on to the damage pile. If the situation appears unstable, take photos from a reasonable distance that will not put anyone in danger. Use a flash or a flashlight if needed so that photos are clear and show damage. If photos are not possible, try to sketch what the situation looks like. It won’t be perfect but might help.

To also help with documentation, make notes on materials used. If a ceiling collapsed on top of kitchen counters, it’s helpful to know if they were Formica or granite. You should note make and model of all appliances in the home as well – and keep receipts or note the age of items. For example, Frigidaire refrigerator, original to the home. Stainless steel stove, Serial number#3458972938, purchased 3/1/22, receipt in home file.

You can’t prevent accidents and damage, but you can feel safer knowing exactly how to file a claim to help with the cost.