Contents Claim Tips
How to document personal property damaged by floodwaters.
What to Track
- Item description, brand/model, age, quantity, original cost if known, and replacement cost if available.
- Photos showing each claimed item and floodwater contact.
- Receipts, online order histories, manuals, serial numbers, or comparable replacement examples when available.
Photos Matter
- Each claimed item should be supported by a photo when possible.
- Take overview photos of affected contents in the room before moving them.
- Take close-ups of higher-value items, serial/model plates, and visible flood damage.
Keep It Organized
- Group items by room.
- Separate building materials from contents.
- Do not include items that were not damaged by floodwater.
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Coverage Disclaimer
This guidance is general information only. Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the Carrier.