To document plumbing damage for an insurance claim, take clear photos and videos of the damage and the source before cleanup, write down when it happened and what you did, and keep all receipts and repair records. Good records make the claim process easier, though coverage depends on your policy.
Before You Clean Up
Safety comes first, so stop the water and stay away from wet electrical areas. Once it is safe, record the scene:
- Wide photos of each affected room
- Close-up photos of stains, warped floors, and damaged items
- Video walking through the area
- Photos of the broken pipe, hose, or fixture if you can see it
- Pictures of the water meter reading
Write Down the Details
Note the date and time you found the problem and what you did first. Write down who you called and when. Keep a list of damaged belongings, with the approximate age and cost of each. Memories fade fast during a stressful week, so writing things down early helps. Keep everything in one folder or note on your phone.
Save Evidence and Receipts
Your insurer may want to see damaged items, so ask before throwing large items away. If items must go for health reasons, such as sewage-soaked carpet, photograph them first. Save receipts for fans, dehumidifiers, cleaning supplies, and any temporary housing.
Keep Repair Records
Ask your plumber for a written description of the cause and the repair. Keep invoices and any photos they take. This information can help explain to the insurer what failed and why.
Contact your insurance company early to ask what they need. Policies differ, and some damage, like long-term slow leaks, may be handled differently than sudden breaks.
When the leak is still active, getting the plumbing emergency under control comes before paperwork. For a written summary of a repair after the fact, you can ask for a written repair summary by calling JPR Plumbing at (833) 603-1840.