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A strong claim is built on strong documentation. This guide walks you through how to create a complete record of your loss.

Key Takeaways

Take wide-angle photos of each room and close-up shots of all damaged items before cleanup

Create a detailed inventory with item descriptions, ages, and estimated values

Keep all receipts, warranties, and proof of ownership documents organized

Document the structure separately from personal belongings with contractor estimates

Use a systematic room-by-room approach to ensure nothing is missed

1. Start with a room-by-room walkthrough

Go through the property methodically so nothing is missed.

For belongings, detail matters. A simple list that just says 'furniture' or 'clothes' is not enough.

Create a spreadsheet or written list with item name, brand, age, where it was located, and approximate cost.
Include electronics, furniture, décor, clothing, tools, and outdoor items.
Attach photos and serial numbers whenever possible.

Anything that shows what you owned and what it cost can help your claim.

The building itself – walls, roof, floors, and built-in features – should be documented apart from personal items.

Note cracks, warping, staining, and any separation at joints or seams.
Take photos of attic spaces, crawl spaces, and behind access panels when safe.
Get at least one estimate from a licensed contractor who understands insurance pricing.