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What type of documentation is usually needed for an insurance claim?

Home insurance claims require thorough documentation to prove the loss, ownership, and value of damaged property.

Essential documents include detailed photos/videos of damage, a comprehensive inventory of lost items with receipts or appraisals, repair estimates, police reports for theft/vandalism, and receipts for additional living expenses. 

Here are examples:

  • High-quality photos and videos of the damage before any cleanup, along with a detailed written inventory of items (description, age, purchase price, serial numbers).

  • Written repair estimates from licensed contractors for structural damage.
  • Invoices for materials like tarps, plywood, or water mitigation services to prevent further damage.
  • Police or fire department reports for incidents involving theft, vandalism, or fire.
  • Receipts for hotel stays, meals, and storage if the home is uninhabitable.