Guides

Water and flood damage: listing damaged contents

With water damage, items are usually still there, just ruined. That makes documentation easier, as long as you document before you throw anything away.

Homeowners vs flood insurance

Sudden water damage from inside (a burst pipe, a failed water heater) is typically covered by homeowners or renters policies. Rising surface water is "flood" and generally needs a separate flood policy (e.g. NFIP). NFIP contents coverage pays actual cash value and has its own limits and exclusions, especially for basements.

Before disposal

• Photograph every damaged item, including labels and model numbers.
• Ask the adjuster whether they need to see items or keep samples (e.g. carpet).
• Keep a running list as you haul things out. Room by room is easiest.

Build the itemized list

Use a room checklist so you don't forget smaller items in damaged drawers and cabinets, and record age and replacement cost for each.