Insurance
How to File a Water Damage Insurance Claim, Step by Step
Updated · Copperline editorial
1. Stop the source and make it safe
Policies require reasonable steps to prevent more damage. Shutting the water off and starting drying is part of that.
2. Document before cleanup
Wide shots of each room, close-ups of damage, the source, and serial numbers of damaged appliances. Video is fine.
3. Notify your insurer
Call or use the app to open a claim and write down the claim number, adjuster name and deductible.
4. Start mitigation
You don't usually need to wait for the adjuster to start drying. Waiting can make the damage worse — and the claim smaller.
5. Keep a paper trail
- Mitigation invoices and moisture logs
- Receipts for hotel, meals or equipment if you're displaced
- A list of damaged belongings with photos
- Notes of every call: date, person, what was said
6. Review the estimate
Compare the adjuster's scope to what was actually removed and what needs rebuilding. Ask about anything missing before accepting.
Working with the adjuster
Be present for the inspection, walk the adjuster through every affected room, and share the restoration company's moisture map and photos. If the first estimate misses damage, ask for a reinspection and provide the documentation.
How to File a Water Damage Insurance Claim, Step by Step: follow-up questions
How soon must I report water damage?
Promptly. Most policies require notice as soon as practical and require you to take reasonable steps to prevent further damage.
What if my claim is denied?
Ask for the denial in writing with the policy language cited, then consider an appeal, the Arizona Department of Insurance and Financial Institutions, or a public adjuster.
Every home differs; editorial standards.