Restoration Advice

Insurance Claim Documentation Guide

The records that are usually helpful when reporting water damage to an insurer.

Photograph before anything moves

Wide shots of each affected room and close-ups of affected materials, taken before contents are moved or materials removed, are the most difficult records to recreate later.

Record the basics

Note when the damage was discovered, what the apparent source was, and what steps were taken immediately, such as closing a valve or arranging a plumber.

Keep the technical record

Moisture readings, drying logs, photographs of removed materials and a description of the work completed give an insurer a clear picture of the loss and the response.

Coverage decisions rest with your insurer; documentation simply makes the situation easier to review.

This guide is general information. Conditions vary between properties, so decisions about your building should follow an assessment of the affected areas.

Oakville, Ontario

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