Create a room-by-room record
Take clear photographs or video of rooms, major possessions, serial numbers and exterior condition. Keep purchase records when available.
Keep an accessible backup
Store copies where you can retrieve them away from the property and without reliable internet. Avoid sharing identification documents or policy numbers in a public form.
If damage occurs
Document damage only when safe. Contact your insurer about reporting and coverage questions. Do not enter damaged structures or floodwater to collect photos. A referral request is not an insurance claim.
Reviewed October 9, 2026. Editorial guidance organized from official preparedness resources; follow current local instructions.