Your water damage insurance checklist

Have your policy number and insurer’s claims phone number ready. Ask whether the cause of damage is covered, what deductible applies, and whether an adjuster needs to inspect before repairs.

Save photos, a list of damaged items, receipts, estimates, and notes from every conversation. Record the date the damage began and what you did to prevent further damage.

Ask the provider to distinguish emergency mitigation from reconstruction and explain pricing in writing. Clarify who is responsible for payment if the insurer does not cover all work.

ClearPath does not provide insurance or legal advice. Coverage varies by policy, cause, exclusions, and jurisdiction. Only your insurer can confirm a claim decision.