Describe where the water went
Give the assessors the equipment location, discovery time, and affected rooms or units. Ask them to check relevant adjoining cavities and floor layers without assuming the visible puddle marks the boundary. Preserve the plumber’s diagnosis and repair record.
Ask what makes reconstruction necessary
- Which finishes or materials were damaged or removed for access?
- What findings support retaining other affected materials?
- Are electrical, structural, or other specialist evaluations still needed?
Build from the documented handoff
The reconstruction estimate should identify the walls, ceilings, trim, flooring, and other items to restore after mitigation. Keep replacement of the heater separate from resulting building repairs in the claim record. Ask the insurer which parts, if any, are covered under the specific policy.