08/20/2026
Something most people don't think about when dealing with an emergency in their home is documentation! Take really good photos of the actual damage and not just the item. What exactly is damaged about the item. Whether it is content or structure photos will tell the story and protect you.
Most content policies say that the policy covers physical damage from a covered peril. If you can't show that it was actually damaged then that item doesn't get paid for.
I know that this is hard but slow down and think about what you are doing and document!