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Insurance & claims

How to document property damage for your claim

What to capture, how to organize it, and what details adjusters and restoration contractors need most.

Start with wide shots, then move closer

For each room, take a photo from each corner showing the full space, then closer images of specific damage. Include the ceiling, walls, floors, and trim.

For water losses, photograph water lines on walls, buckled floors, and wet materials before anything is moved when safe to do so.

Record dates and context

Note when you discovered the damage and any events that preceded it: storms, appliance failures, visible leaks, or smoke odor.

If you made temporary repairs or shut off utilities, record what you did and when.

Contents and personal property

Create a room-by-room list of damaged items. Include brand, approximate age, and where purchased if you know.

Photograph serial numbers on appliances and electronics when visible. Do not discard items until your adjuster or restoration contractor advises you.

Let professionals supplement your records

Restoration contractors use moisture meters, thermal imaging, and structured scope formats that adjusters expect. Your photos help, but professional documentation often reveals hidden damage you cannot see.

Need help now? Call (330) 782-5392