What Documentation Do You Need for a Successful Home Insurance Claim?

Filing a home insurance claim in 2026 takes more than just calling your insurer. Adjusters want digital proof and clear records, so your Proof of Loss needs certain documents.

1. The Initial Incident Evidence

• Take videos that show the whole room and close-up shots of the damage. Make sure your phone or camera shows the date and location.
• If there was theft or vandalism, get a police reference number. For fire, ask for a Fire Brigade Report.
• Write a short summary of what happened. Add the date, time, and what you did to stop more damage.

2. Proof of Ownership (The "Home Inventory")

• Keep a digital list or use an app to track your stuff.
• Find receipts or bank records for expensive things.
• If you lost a receipt, use a manual or warranty email instead.

3. Proof of Loss and Valuation

• Complete the Proof of Loss FFill out the Proof of Loss Form to confirm what you lost and its value.m licensed contractors. Each must detail labor and material costs.
• If you have antiques, art, or special features, include your latest appraisal papers.

4. Records of "Mitigation" Expenses

• Save receipts for things like plywood, tarps, or water removal.
• If you can’t stay at home, keep receipts for hotels, rentals, and meals. Most policies pay these 'Loss of Use' costs.

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Quick Checklist: Documents to Submit