How Do You Document Storm Damage for Insurance?

Before moving anything or starting cleanup, use your phone to capture the full scene. Take wide shots of each room, then close-ups of specific damage like broken windows, water stains, or fallen branches. Record a slow video walkthrough, narrating what you see and the date.

Capture multiple angles and include a ruler or coin in some shots to show scale. Photograph the exterior of your home, including the roof, gutters, and siding. If you have a drone or can safely shoot from a ladder, do so, but never risk injury. These visuals become your primary evidence.

• Wide shots of each room and exterior wall
• Close-ups of cracks, stains, and debris
• Video walkthrough with verbal notes
• Include a date stamp or printed sign
• Show the condition before any cleanup

If you make any emergency repairs to prevent further damage, such as tarping a roof or boarding a window, save every receipt. The cost of these temporary fixes is often part of your claim. Photograph the repairs as you complete them and note the date and what you did.

Also document any expenses for materials, like plywood, nails, or plastic sheeting. If you hire a local handyman for urgent work, keep their invoice. These records show you acted responsibly to protect your property, which your insurance company expects.

After you document the damage, you can begin cleanup, but for significant water intrusion or structural issues, contact local water damage pros. They have the equipment to dry out your home and prevent mold growth. Their assessment can also provide a professional record of the damage.

If you live in Cincinnati, keep your shutoff valve location written down in case you need to stop water flow quickly. The pros can help with storm water damage cleanup and may assist with your insurance documentation. Their reports often include detailed findings that support your claim.

• Professional assessment of structural damage
• Moisture readings and drying equipment
• Detailed report for your insurance claim
• Help with mold prevention after water exposure
• Guidance on what to document next