Start with the facts
An insurer will want to know what failed, when you found it, what you did, and what is damaged. None of that requires technical vocabulary. Write it down in the order it happened. This guide cannot say how any policy responds to your loss, and the insurer or your agent is the right source for that.
The core facts to have ready
- What failed
- Appliance, part, and location in the home
- When discovered
- Date, time and how you noticed
- Steps taken
- Shutoff, towels, equipment and who helped
- Affected areas
- Rooms, floors, ceilings below and belongings
- Prior issues
- Earlier repairs or signs noticed
Build the file
Photograph the scene
Capture wide shots first, then close-ups of the failed part and each wet surface.
Save the part
Keep it in a bag with a label.
List damaged belongings
Write brand, approximate age and location of each item.
Gather receipts
Keep invoices for emergency steps and repairs.
Keep a call log
Date, name and summary of each conversation.
What you can and cannot decide
| Typically in your hands | Typically the insurer's call |
|---|---|
| Stopping the water and protecting property | Whether and how the loss is covered |
| Choosing who inspects and repairs, subject to your policy | How the loss is classified |
| Keeping records | Settlement amounts and limits |
| Asking questions and requesting explanations | What documentation they require |
Questions for the adjuster
- What does my policy say about appliance water damage?
- Is damage to the appliance itself covered?
- What are my deductibles for this kind of loss?
- Will you send an adjuster, and when?
- How do I submit invoices and photographs?
- How are ceilings, flooring and cabinets valued?
After the call
Write down what the insurer told you, including names and dates, and follow up in writing if anything is unclear. If a dispute arises, a clear timeline and documents are the strongest tools you have.
If the loss is larger than you expected, take a breath before agreeing to anything. You may ask the insurer for time to review documents, and you may ask contractors to explain their scope in writing. Be wary of anyone who asks you to sign an open-ended authorization without explaining what it does. Keeping the conversation factual and documented protects everyone involved.
Finally, keep your own copy of anything you send. Emails and uploaded forms can be lost, and a dated copy in your folder settles questions about what was submitted and when.
General information for Arvada, not a quote or professional advice. In an emergency, call 911.