Insurance records: damage files, receipts and contacting your insurer

Water files may include moisture readings and equipment logs; fire files may include fire-department release information and smoke or soot observations; storm files may include exterior openings and temporary protection; mold files may include moisture-source and remediation records. Use safe, factual descriptions rather than conclusions about cause, coverage, or health.

Keep photos, videos, inventories, receipts, estimates, invoices, work authorizations, carrier communications, and names of involved professionals together. Hugo can supply restoration records it creates, while the carrier determines what additional information it requires.

Save receipts and invoices for emergency lodging, temporary protection, cleanup supplies, professional services, and other loss-related expenses, labeling each with its date and purpose. For contents, record the item, location, visible condition, quantity, model or serial information, and available purchase records.

Do not discard damaged items until the carrier gives direction unless an authority requires removal or keeping them creates a safety risk. Expense eligibility, valuation, reimbursement, and settlement decisions remain with the carrier.

Provide a factual summary of what happened, when it was discovered, the affected property, immediate hazards, and steps taken to stop or limit additional damage. Ask what documents, inspections, authorizations, and communication methods the carrier requires.

Do not postpone 911, utility action, source control, or reasonable emergency mitigation while waiting for a claim contact. Hugo can document restoration conditions and work, but the carrier decides coverage and claim handling.