How Do I Inventory Damaged Belongings for an Insurance Claim?

Begin in one corner of your home and move room by room. Open closets, drawers, and cabinets. Water damage hides in unexpected places, so check under beds, inside storage bins, and behind furniture. If you live in Columbus, keep a notebook and phone with you as you go.

Film a continuous video of each space first, then take still photos of individual items. The video gives a broad view, while the photos capture specific damage. Speak aloud in the video, describing what you see and noting any obvious water lines or warping.

• Capture serial numbers from appliances and electronics
• Photograph water stains, swelling, and discoloration
• Note the condition of each item before the damage
• Check attics, basements, and garages too
• Include flooring, walls, and personal property

A home inventory app can simplify the process. Many apps let you add photos, record voice notes, and store receipts in one place. Some even generate a printable report. Choose one that works offline, since your internet may be down after water damage.

If you prefer pen and paper, use a bound notebook so pages do not get lost. Write legibly and include the date of the damage at the top of each page. Keep the notebook in a plastic bag or dry container until you hand it over.

Do not leave out small items. Books, clothing, toys, and kitchenware add up quickly. A single pair of boots might not matter, but twenty pairs do. List every item you can see, even if you think it is worthless. The insurance company decides what counts.

If you have receipts, warranties, or appraisals, attach them to your list. These documents help establish value. If you do not have them, write down what you remember. Policies vary, and your insurer decides what is covered. Honesty in your inventory is essential.