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Guide / Documentation

Make a record before the story changes.

Coverage depends on your policy and the cause of loss. Photograph the damage, keep records and ask your insurer how to proceed.

What to do first ↗

The displayed quote control is inactive. Use the guides to prepare for a qualified assessment.

Water staining on carpet near a wooden doorframe
Representative Columbus, Ohio job photo; not a Tampa claim.

01 / Document

Capture the condition safely.

Do not enter an unsafe area to take photos or move belongings.

01 Photograph affected rooms, source and visible materials.

02 Record discovery time and steps taken to stop the source.

03 Keep receipts for temporary measures.

04 Save estimates, moisture records and invoices.

02 / Ask the insurer

Separate policy questions from restoration scope.

Only your insurer can explain your coverage and claim process.

Cause

Ask what documentation is needed for the source of water.

Temporary work

Ask which mitigation steps should happen before an adjuster visit.

Estimate

Ask how to submit the scope and any later changes.

Florida homeowner claim guidance ↗