Guide
How to document water damage
The Texas Department of Insurance tells homeowners to record the damage before repairs and to keep damaged items until the adjuster has seen them.
Connects you with an independent restoration contractor.
A working checklist
- Wide photos of each wet room, then close-ups of the damage.
- Video of water still running or spreading, with the date visible if possible.
- The source: a split hose, a stain on the ceiling, a failed fitting.
- A list of damaged contents with what each was, roughly when you bought it, and where it was.
- Receipts for emergency purchases and temporary repairs.
- Names, dates and call notes for every conversation with your insurer, plumber or contractor.
TDI adds that you should keep damaged items until the adjuster has looked at them and that temporary repairs are fine but permanent ones should wait.
Why timing matters
TDI says hidden water damage usually has to be reported within days of when you first see it. A slow leak you noticed a week ago is a harder claim than one you reported the day you saw the stain.
A home inventory, built before you need it
TDI recommends a written list of what you own, with the date bought, the value and the serial number where there is one. It suggests photographing or filming every room, including closets, storage buildings and the garage, and opening drawers to photograph what is inside. Keep the list and receipts for major items in a fireproof safe or another location.
FloodSmart gives similar advice and adds that the records should sit in a waterproof place, since they are what you rely on when filing.
What the insurer may ask for
TDI says a company may ask for a signed, notarized proof of loss form listing damaged or lost items. It tells owners to include small things such as kitchen utensils and bathroom accessories.
If you have to move out, receipts for rent, food and other costs you would not have had at home are the record behind an additional living expenses claim. The City of Kyle's guidance after flooding also says to photograph the property and any debris and to keep receipts.
Keep a running log, with the date, the person you spoke with and what was said. TDI says the adjuster will probably be your main contact once one is assigned, so that name belongs at the top.
Water is still moving. Call now.
One call connects you with an independent restoration contractor who serves the Kyle area. Then you decide what happens next.