This step happens before you move furniture, before you start pumping, and before you throw anything away.
The Insurance Bureau of Canada explains that many Canadian home policies only cover basement water damage from sewer backup if specific optional coverage was purchased, and that overland flood coverage is also typically optional. Regardless of what your policy covers, the documentation process is the same — and skipping it can cost you the claim.
Here is your first-day documentation checklist:
Walk the space with your phone recording video. Narrate what you see: water level, where it appeared first, which belongings are affected, and what the water looks and smells like. Follow the video with close-up photos of every damaged area, item, and surface. Include a ruler or common object for scale where water depth matters.
After the visual documentation, start an itemized list of damaged contents. Include descriptions, approximate values, and serial numbers for electronics and appliances. Keep every receipt for cleanup supplies, equipment rentals, and emergency repairs from this point forward — insurers and government disaster-recovery programs both expect this paper trail.
Do not discard non-hazardous damaged items until your insurance adjuster confirms they can go. IBC advises keeping ruined items unless they pose a health hazard. If items are contaminated with sewage, photograph them thoroughly before disposal.
Call your insurance broker or company as soon as your documentation is complete. The legal limit to file is usually two years, but early contact matters — some policies require prompt notification, and your insurer can authorize emergency mitigation costs upfront.