Document the source
- save plumber or roofer notes
- record when the leak began and stopped
- photograph the source before repair
- note storm timing when relevant
Homeowner guide
Water-damage records to keep
Photos, source notes, drying logs, estimates, invoices, and policy questions.
Why this record matters
Documentation should describe what happened without promising coverage. The policy, cause, maintenance history, endorsements, and insurer decisions determine coverage; the site cannot decide a claim.
Document mitigation
- affected-room list
- material removal photos
- equipment dates
- moisture readings
Separate decisions
- mitigation versus rebuild
- covered loss versus maintenance
- flood or sewage endorsements
- deductible and approval requirements
Questions before the next decision
- What source note is available?
- Which photos predate removal?
- Are mitigation and rebuild separated?
- Which receipts and logs are missing?
- What does the insurer request in writing?
Keep one chronological file
Save photographs, source-repair notes, authorizations, estimates, readings, equipment dates, receipts, invoices, and written completion evidence in date order. Keep mitigation, contents, and reconstruction records separate.
Related decisions
Apply this checklist to the matching service decision.
Reference points
Use sources that match this decision.
EPA mold and moisture guide
Federal homeowner guidance on moisture control, drying, porous materials, and mold cleanup.
FEMA Flood Map Service Center
Address-level flood-hazard research; the map does not determine insurance coverage or diagnose a property.
Alabama Home Builders Licensure Board
State consumer guidance for checking licensing, references, insurance, written scope, and payment terms.