How Do I Document a Home for a Future Insurance Claim?

Walk through every room slowly with your phone camera. Show all four walls, the floor, and the ceiling. Open closets and cabinets, and pan across shelves so the contents are visible. Speak aloud the room names and any details you notice, like a new appliance or a repaired crack.

Do this for the entire home, including the basement, attic, and garage. If you live in Arlington, keep this video updated after any renovation or after you buy expensive furniture. Store the video on a cloud service and on an external drive. A dated video is strong evidence of the home's condition before damage occurs.

• Record each room from multiple angles
• Show open drawers and closet interiors
• Narrate what you see for clarity
• Include the exterior of the house
• Update the video after any changes

List every item of value in your home, from electronics to clothing to furniture. For each item, note the brand, model, serial number if available, and the approximate purchase date. Attach receipts or appraisals if you have them. This list helps you recall what you owned if a loss occurs.

You can use a simple spreadsheet or a notebook. Walk through each room and write down items as you go. For large items like a sofa or a refrigerator, take a photo of the item and its serial number plate. Store this inventory with your other documentation, and update it whenever you make a significant purchase.

• Electronics with serial numbers
• Furniture with purchase date and price
• Clothing, shoes, and accessories
• Kitchen appliances and cookware
• Jewelry and valuable collectibles
• Tools and outdoor equipment

Your home changes over time, so your documentation should change too. After you finish a basement remodel, replace a roof, or buy a new living room set, take fresh photos and add the new items to your inventory. This keeps your records accurate and current.

Also update after any event that could affect your home, such as a minor leak that you repair. Note the date and what was fixed. This history shows the condition of your home over time. If a future water damage event occurs, your documentation provides a clear before-and-after picture for your insurance claim.