WATER-DAMAGE EVIDENCE CHECKLIST
FieldScribe AI editorial working aid | 28 October 2026
Not a coverage decision, technical inspection standard or insurer-approved form.

File reference:
Inspector / inspection date:
Assignment and access limitations:

[ ] Safe access confirmed; inaccessible areas recorded.
[ ] Each affected area has a consistent room/location identifier.
[ ] Direct observations are separated from statements made by others.
[ ] Reported statements identify the source and date.
[ ] Photos link context, detail and inspection stage to the same location.
[ ] Measurements record instrument, mode/scale, units where applicable,
    material, location and time. No invented percentage signs.
[ ] Cause assessment identifies its supporting evidence and uncertainty.
[ ] Damage description is separate from cause and policy interpretation.
[ ] Any coverage discussion uses actual wording and stays within appointment.
[ ] Changes caused by emergency work or mitigation are recorded.

OUTSTANDING EVIDENCE — repeat for each item
Question to resolve:
Document / inspection / test needed:
Expected provider:
Date requested:
Status / limitation if unavailable:

BEFORE SENDING
[ ] Each cause statement has support or is explicitly qualified.
[ ] Conflicting accounts and unresolved questions remain visible.
[ ] Photo references, dates and quantities match the source records.
[ ] Applicable insurer, professional and jurisdictional instructions checked.

Guide: https://fieldnotesai.com/blog/water-damage-report-observation-vs-cause
US NFIP guidance: https://www.floodsmart.gov/claims-checklist
NFIP instructions do not apply universally to other policies or jurisdictions.