How to Document Water Damage for Your Insurance Claim (Complete Checklist)

The adjuster denied a Roswell homeowner's $12,000 claim because she cleaned up before taking photos. She mopped, threw away the wet carpet padding, and wiped down the walls — all before documenting anything. That single mistake cost her the entire payout.

This checklist shows exactly what to photograph, record, and save. Need help? use the water-damage contractor directory.

Photo Checklist

• Wide shots of every affected room from multiple angles
• Close-ups of the damage source (pipe, appliance, roof)
• Close-ups of damaged materials (drywall, flooring, baseboards)
• Water line marks on walls showing maximum water height
• Damage to personal belongings and contents

Video Walkthrough Instructions

Walk through narrating: when you discovered the damage, what the source was, what you've done so far. Speak clearly. Move slowly. Show every room including ones that appear unaffected — water travels through wall cavities.

Written Documentation

• Exact date and time you discovered damage
• How you identified the source
• Actions you took (shut off water, called restoration company, called insurance)
• Names and numbers of everyone you spoke with

Professional Documentation

Ask your chosen contractor for moisture mapping, thermal imaging, and drying logs. These readings can show where water went and how severe it was.

Georgia's prompt reporting requirements and 15-day acknowledgment rule give you leverage. Related: filing your claim step by step | if your claim gets denied | first steps after water damage

Ask any contractor you call for written claim documentation and moisture readings.