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Contents Resources & Worksheets

Downloadable contents instructions, Excel spreadsheet, handwritten worksheet, and practical documentation guidance.

Contents Claim Goal

The goal is to document each flood-damaged personal property item clearly enough for claim review. Photos are the anchor: each item should be photographed with floodwater damage visible whenever possible.

Fastest method: Use the Excel contents spreadsheet when possible. If Excel is not practical, use the printable handwritten list or another organized list with the same information.

Open Contents Listing Instructions Download Excel Contents Spreadsheet Open Printable Handwritten List

What Every Contents Item Should Include

Field	What to enter
Room	The room or area where the item was located during the flood.
Brand / Manufacturer	Brand name or manufacturer, such as Sony, GE, Maytag, Whirlpool, etc.
Model # / Serial #	Required for electronics, tools, major appliances, and other higher-value mechanical/electronic items when available.
Item Description	Size, shape, color, physical appearance, features, and enough detail to identify like kind and quality.
Quantity Lost	Number of identical items damaged by flood.
Item Age	Approximate actual age in years/months.
Estimated Cost to Replace Today	Today’s replacement cost for a similar item of like kind and quality.
Replacement Cost Source	Retailer/merchant, online link, screenshot, receipt, estimate, or comparable replacement source.
Originally Purchased From	Where the item was originally purchased, if known.

Photo Requirements

Take many photos before removing or discarding contents.
Show the floodwater damage on the item, not just the item sitting in a pile.
Take overview photos by room before moving items.
For expensive items, take close-ups of serial/model plates and visible flood damage.
Keep photos saved even if they are not requested immediately.

Special Item Guidance

Mechanical / electronic items: include make, model, serial number, age, and replacement cost support.
Furniture: include fabric type, make/brand if known, age, and cleaning or replacement cost support.
Clothing: group like items where reasonable, such as “3 pairs ladies’ sneakers, 2 years old, $79.99 each.”
Bed linens: list sheet sets by size and list comforters separately.
Large or expensive items: include receipt, online comparable, screenshot, link, estimate, or other support when possible.

Covered Location Reminder

In general, contents should be documented as flood-damaged while inside the insured building or a qualifying fully enclosed storage room, garage, or anchored shed. Items outside those areas may raise coverage issues and should be discussed with the adjuster.

Coverage Disclaimer

FloodPath provides general claim communication and documentation guidance only. Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the Carrier. Personal property coverage and valuation remain subject to the SFIP, claim facts, documentation, and Carrier review.