How Do I Document Hurricane Damage for My Insurer?

Begin documenting as soon as it is safe to enter your home. Do not move debris, throw away damaged items, or start cleanup until you have recorded the scene. Your insurer will want to see the damage as it happened, not after you have started repairs.

Walk through every room, including closets, attics, and basements. Open drawers and cabinets to show contents. If water is still present, capture that too. Take wide shots to show the overall scope, then close-ups of specific damage like soaked drywall, warped floors, or ruined belongings.

Create a detailed inventory of everything damaged. For each item, write the brand, model, approximate age, and where you bought it. If you have original receipts, warranties, or manuals, attach them. This helps your insurer assess the value of your claim.

Include items that are not visible, like items in boxes stored under stairs. If you have a home inventory list from before the storm, update it with current damage. If you live in Arlington, keep this list in a safe place, like a waterproof bag, so you can access it during future storms.

Once you have thorough documentation, contact your insurance company to file a claim. They will likely send an adjuster to inspect the damage. Have your documentation ready to share, and be prepared to explain each item. Do not make permanent repairs until the adjuster has seen the damage, unless it is necessary to prevent further loss.

If you need help with cleanup or repairs after documenting, local water damage pros can assist with drying, structural repairs, and restoration. They can also provide additional documentation of the damage for your claim. Keep your records organized and accessible throughout the process.