This template helps you create a comprehensive water damage claim documentation letter to submit to your insurance carrier.
Purpose
Use this letter to formally document water damage to your property and provide detailed information about the loss event, damages sustained, and supporting evidence.
What to Include
Date and time the water damage was discovered
Source of water (burst pipe, roof leak, flooding, etc.)
Immediate actions taken to mitigate damage
Detailed description of affected areas and items
List of damaged property with estimated values
Photos and videos of the damage
Receipts for emergency repairs or mitigation services
Contact information for any contractors or restoration companies
Key Components
Loss Details: Specific date, time, and circumstances of the water damage event
Affected Areas: Room-by-room breakdown of impacted spaces
Property Damage: Itemized list of damaged contents, fixtures, and structural elements
Mitigation Efforts: Steps taken to prevent further damage
Supporting Documentation: Reference to attached photos, invoices, and reports
Best Practices
Submit within 24-48 hours of discovering the damage
Be thorough and specific in your descriptions
Include all relevant policy information
Keep copies of all submitted documentation
Follow up with your adjuster within 3-5 business days