How Do Restoration Companies Document Damage for Insurers?

The pros start by taking detailed photos and videos of every affected area. They capture wide shots to show the overall scope and close-ups of specific damage like water stains, warped wood, or soaked carpets. They also record the date and time of each image.

Moisture meters are used to measure how far water has spread into walls, floors, and ceilings. These readings show the extent of hidden damage that isn't visible to the eye. Written notes describe the source of the water, the materials affected, and the condition of each item.

You can take your own photos and videos before any cleanup begins. This gives you a personal record of the damage. Write down the date you noticed the water and any steps you took to stop it, like turning off the water main or moving furniture.

Your own documentation is useful even if the pros also document everything. It shows the initial condition from your perspective. Keep these records in a safe place, like a waterproof folder or a digital cloud storage account.

Your insurance company uses the documentation to decide what is covered and how much to pay. Policies vary, and your insurer decides what is covered. The report is evidence, but it does not ensure payment.

If you have questions about your policy or coverage, contact your insurance agent directly. They can explain what documentation they need and how to submit it. You can also ask the pros for a copy of their report to share with your insurer.