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How to Avoid Common Mistakes When Filing a Damage Claim

Last updated October 25, 2026

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The short answer

Document Everything Thoroughly

Before you touch anything, take photos and videos of all water damage from multiple angles. Capture the source of the water, affected belongings, and any standing water. Also write down the date and time you noticed the damage. This record helps your insurance company understand what happened.

Keep a detailed list of damaged items, including brand, model, age, and approximate value. If you have receipts, gather them. For items without receipts, note where and when you bought them. This information supports your claim and speeds up the process.

Report the Damage Quickly

Contact your insurance company as soon as you discover the damage. Most policies have time limits for filing a claim. Waiting too long can complicate the process. Even if you are unsure about coverage, reporting early is safer. Ask your insurance company what documentation they need.

If you live in Mesquite, keep your insurance company's contact information and your policy number in an accessible place. After a storm or pipe burst, you might have limited time. A quick report helps you avoid missing deadlines and gives you a clear path forward.

  • Take photos of the water source and affected areas.
  • List damaged items with approximate values.
  • Save receipts for any emergency purchases.
  • Note the date and time of the damage.
  • Contact your insurance company within the required timeframe.
  • Ask about next steps and required forms.

Don't Throw Away Damaged Items

It is tempting to discard waterlogged furniture or soaked carpets, but hold off. Your insurance adjuster may need to see the damaged items to assess the claim. If you remove them, take photos first and keep samples of materials like carpet or upholstery. This evidence is crucial.

If you must remove items for safety, such as to prevent mold, store them in a garage or shed if possible. Keep a written record of what you moved and where. This shows your insurance company that you acted responsibly without destroying evidence.

Keep All Receipts and Records

Any money you spend because of the damage, such as on temporary repairs, a hotel, or cleaning supplies, should be documented. Save every receipt, even for small purchases. These expenses may be reimbursable, but only if you can prove them. Keep a running total.

Also keep a log of all communication with your insurance company, including dates, names, and what was discussed. This helps you track the claim and avoid misunderstandings. If you hire a plumber or electrician for emergency work, get a written invoice. All records strengthen your position.

Understand Your Policy Coverage

Read your insurance policy carefully to know what is covered and what is excluded. Water damage from a burst pipe is often covered, but flood damage may not be. Know your deductible and any coverage limits. If something is unclear, ask your insurance company for clarification.

Policies vary, and your insurer decides what is covered. Do not assume everything is included. Also, check if you have replacement cost or actual cash value coverage. This affects how much you receive. Understanding your policy helps you avoid surprises and file a more accurate claim.

  • Know your deductible amount.
  • Check if flood damage is excluded.
  • Understand replacement cost vs. actual cash value.
  • Ask about coverage for temporary housing.
  • Review any time limits for filing.
  • Keep a copy of your policy handy.

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Frequently asked questions

What should I do if I already threw away damaged items?

If you already discarded items, be honest about it. Provide any photos or receipts you have. Explain why you removed them, such as safety or mold prevention. Your insurance company may still consider the claim, but the evidence is weaker. Always document before disposal in the future.

How long do I have to file a water damage claim?

Most insurance policies require you to report damage within a certain period, often 30 days to a year. Check your policy for the exact timeframe. Reporting promptly is always safer. If you are unsure, contact your insurance company as soon as possible to avoid missing deadlines.

Can I start repairs before the adjuster visits?

You can make emergency repairs to prevent further damage, like shutting off water or patching a leak. Take photos first and keep receipts. For major repairs, wait until the adjuster has inspected. Starting large repairs early can complicate your claim, so ask your insurance company for guidance.

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