At a glance
What to know
- For each affected room, take an overview and then close-ups that show the location and condition.
- Keep a timeline, relevant trade findings, receipts, and written scope or change approvals together.
- Ask your insurer which records, forms, or deadlines apply to your policy.
Photograph each affected area safely
Start with a wide view that identifies the room, then a closer photo of each affected floor, wall, ceiling, or item. For example, capture the whole kitchen, the cabinet below the sink, and a close view of the visible swelling. Include the reported entry point or visible water line only if you can reach it safely.
Keep original images and note the room, date, and visible condition. Use a separate annotated copy if you want to point out an area. Avoid including faces, personal paperwork, or account details unless they are essential and you are sharing them through the appropriate private channel.
Write a short timeline
Record when the damage was discovered, what was reported about the source, who shut off or repaired it, and when work began. Label uncertain times as approximate. Keep plumber, roofer, fire department, or other trade records that help explain the event and its sequence.
Track belongings and expenses
List affected belongings with the room, a short description, and any available make or model information. Keep relevant receipts and invoices. Ask the insurer what it needs before discarding items and follow health, safety, and disposal instructions when an item cannot be kept.
Retain written estimates, approved changes, drying records when provided, and completion paperwork. Keep the records for the restoration work separate from receipts for permanent repairs or replacement.
Share the records requested for your claim
Ask the carrier or adjuster how to send the records and which deadlines apply. Serve Xpert can provide documentation for its work, such as findings, photos, readings when applicable, written scope, and completion records. The insurer decides coverage under the policy.
If additional conditions are found during work, document the room, the newly exposed material, and the change in scope so the new evidence is easy to distinguish from the initial findings.