How to Document a Home Insurance Claim in B.C.: Photos, Receipts & Proof of Loss
Strong claim documentation starts when it is safe to inspect the property. IBC recommends listing damaged or lost items, attaching available proof of purchase, photographing damage, keeping cleanup receipts and retaining damaged property unless it is dangerous or the insurer approves disposal.
Document before cleanup changes the scene
When safety allows, photograph and video damaged rooms, building components and personal property before cleanup or disposal changes the condition. A room-by-room record can help connect later inventory entries to the physical loss.
Pair an inventory with whatever proof still exists
IBC recommends a complete list of damaged, destroyed or stolen property and, where possible, receipts, proofs of purchase, owner's manuals, warranties or older photos. Missing receipts do not mean you should omit an item; record what you know accurately and let the adjuster explain what evidence is needed.
Do not discard damaged property too early
IBC advises keeping damaged items unless they are dangerous or pose a health hazard and confirming with the insurer before disposal. When something must be removed for safety, photograph it thoroughly and keep records of cleanup or disposal.
Proof of Loss is a formal declaration
An insurer may ask for a Proof of Loss form listing damaged or lost property and the value or cost of the claimed damage. IBC notes that the policyholder signs and swears that the information is true, so estimates and descriptions should be prepared carefully rather than inflated or guessed.
Keep emergency support, insurance and DFA separate
Emergency Support Services can provide short-term basic support during an emergency. Insurance applies the purchased policy and can provide broader claim benefits such as Additional Living Expenses. DFA is a later government recovery program for eligible uninsurable essential losses after an authorized event.
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