Flood & Water Damage Claims
Water Damage Claim Inventory in Minutes
Burst pipe, flooded basement, hurricane, or appliance leak — water damage destroys belongings room by room. Upload photos of what you had and we generate the itemized contents inventory your insurance claim needs, with replacement values and proof attached.
What you get
- Room-by-room itemized property loss inventory in Excel
- Replacement cost values for furniture, electronics, clothing, and household goods
- Photo evidence embedded for every item, in case adjusters question the claim
- Categorization that matches standard insurance line items
- Comparable item links so the adjuster can verify pricing independently
- Output formatted for fast adjuster review and faster settlement
Why water damage claims often pay less than they should
Water damage destroys things that are hard to remember: the rug under the couch, the books on the bottom shelf, the boxes in the basement, the contents of bathroom cabinets. People list the obvious losses, settle, then realize weeks later they forgot half of what was destroyed. The more complete your initial inventory, the more your settlement reflects actual loss. ProofList catches items in your photos you would never think to list manually.
Flood insurance vs. homeowners coverage
If the water came from outside (storm surge, river overflow, groundwater), it's a flood claim and you need NFIP or private flood coverage. If the water came from inside (burst pipe, dishwasher, water heater, AC condensation line), it's a homeowners claim. The contents documentation is identical in both cases. Insurers want a schedule of personal property: every damaged item, its age, original cost, and replacement cost. We generate that automatically.
Documenting items you've already discarded
Health hazards from mold, sewage, or contaminated floodwater often force homeowners to throw out items before an adjuster sees them. Photos of those items — even partial photos from before or after the damage — let you still claim them. Upload anything you have: phone backups, family photos that happen to show your living room in the background, real estate listing photos, social media posts. Each one helps reconstruct what you owned.
Frequently asked questions
What does a water damage claim inventory need to include?+
Insurers want a room-by-room itemized list of every damaged item: furniture, electronics, clothing, rugs, books, kitchenware, and structural contents. For each item they need a description, age, original cost where known, and replacement cost today. ProofList builds this from your photos automatically.
Does my homeowners insurance cover water damage?+
Most homeowners policies cover sudden and accidental water damage like burst pipes or appliance leaks, but exclude flooding from outside the home. Flood damage requires separate flood insurance (often through NFIP). Either way, the documentation requirements for the contents portion of your claim are the same: an itemized inventory with values.
Items are still wet — should I throw them out before documenting?+
Take photos before disposal whenever possible, even of obviously ruined items. Insurers often want to see the damage. If items had to be removed for health or safety (mold, sewage), photos plus your inventory give the adjuster what they need. Keep receipts for any items you've already had to replace urgently.
Can I document items destroyed by mold weeks after the leak?+
Yes. Secondary damage from mold and prolonged moisture is often covered if the original water event was. Document everything affected, including items you didn't think were damaged at first. ProofList handles late-stage documentation just as well as immediate response.
What if I only have photos from before the damage?+
That's actually ideal. Pre-loss photos are the strongest evidence of what you owned and its condition. Upload them and we'll generate the inventory of what was lost or damaged.