Your contents coverage pays for damaged belongings, often based on depreciated value first. Make a room-by-room list with photos, ages and prices, and don't throw anything out until the insurer has seen it or agreed in writing.
Start with photos
Photograph every damaged item where it sits, then up close. Show labels, model numbers and the water damage itself.
Build the inventory
For each item, list:
- What it is, with brand and model when you know them
- Quantity
- Age, or when you bought it
- Where you bought it and what it cost
- Today's price to replace it with something similar
Go room by room, including closets, cabinets and storage. A spreadsheet works well.
Where to find proof
Bank and card statements, online order history, email receipts, warranty cards and old photos of your home all help show what you owned.
What's usually covered
Furniture, rugs, clothes, electronics, appliances and other personal property damaged by a covered water loss. Some categories, like jewelry, collectibles or cash, have low limits unless you scheduled them separately.
Cleaning vs replacing
Some items can be professionally cleaned or restored. Items soaked by sewage or floodwater usually can't. Ask what the insurer will pay for cleaning versus replacement.
Getting the depreciation back
If your contents coverage is replacement cost, you usually get the depreciated value first and the rest after you replace items and send receipts.
Common questions
Can I throw out wet items?
Photograph them first, and ideally wait until the adjuster has seen them or approves disposal in writing, unless they're a health hazard.
What if I can't remember everything?
Walk through photos and videos of your home, and add items as you remember them. Many insurers accept additions.
Is there a limit on contents?
Your contents limit is on your declarations page, often a percentage of your dwelling coverage.