Contents Inventory for Water Damage Claims
Build a room-by-room list
Include item description, age, brand when known, and estimated replacement cost. Photos of labels and serial numbers help.
Depreciation expectations
Actual cash value policies subtract depreciation. Replacement cost coverage may pay the difference after you replace items — follow your policy’s timelines.
Do not discard everything immediately
Adjusters may want to see high-value damaged items. Ask before hauling everything to the curb, especially electronics and furniture.