Water damage claim evidence checklist
The evidence you capture in the first day is what secures a full payout. Photograph everything before you clean up — here's exactly what to record.
Photograph and video everything — before clean-up
This is the single most important thing you can do. Before you dry out, tidy, or bin anything, capture clear photos and video of the source of the leak and every affected area. You can't recreate this evidence later.
Don't throw anything away yet
Keep ruined items until they've been recorded and, ideally, seen by the insurer or adjuster.
The room-by-room list
Go through the property room by room and note the damage in each: flooring, walls, ceilings, fitted units, and the contents. A methodical list is harder to whittle down than a vague one.
The item inventory (with values)
List every damaged item with a short description and a rough replacement value. Include model numbers and any receipts or photos you already have of the items in good condition.
Receipts to keep
- Emergency plumber or make-safe work.
- Drying and dehumidifier hire.
- Temporary repairs to prevent further damage.
- Alternative accommodation, if your home was uninhabitable.
Why it matters
Thorough evidence is what lets you claim for everything you're entitled to and stops an insurer quietly leaving items out. It's the foundation of maximising your payout and of challenging a denied claim.
Free claim review
Got your evidence together? Send us the details and we'll tell you whether your claim looks fairly handled.