📞 24/7 Emergency Call Line: (385) 250-2825

How to Document Water Damage for Insurance

Before you clean anything

  • Photograph and video everything — wide shots, then close-ups.
  • Capture the source — the burst pipe, failed hose, or appliance.
  • Keep the failed part.
  • But don’t wait to stop the water — safety and mitigation come first.

Photo checklist

  1. The source of the water, up close.
  2. Each affected room from the doorway (wide shot).
  3. Water lines on walls, cabinets, and furniture.
  4. Ceilings with stains or sagging.
  5. Flooring — including lifted corners showing wet pad.
  6. Damaged belongings, one item or group at a time, with brand and model labels when visible.
  7. A short video walking through the whole area.

Records to keep

  • Date and time you discovered the damage
  • Names and dates of every call with your insurer
  • Receipts for emergency purchases, hotel stays, and meals — see loss of use
  • A list of damaged items with approximate age and cost
  • Plumber’s invoice or report on the cause

What Vault adds

On every job we photograph the damage, map moisture, record daily moisture readings, and write the scope in Xactimate — the estimating software most insurers use. We bill State Farm, USAA, Allstate, Farmers, and Bear River Mutual directly. See what is Xactimate?

Need documentation done right?

Call (385) 250-2825 — answered live 24/7 by the Vault crew.

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Related guides

Typical water mitigation runs $3,500–$8,500. See how we handle water damage restoration in Provo, or call (385) 250-2825.

The nine stages of every job: our water damage restoration process.

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