Renters
Landlord and Renter Weather Damage Guide: Leaks, Floods, Mold, and Documentation
What renters can document after storm damage, what to report to landlords, and how to think about leaks, flooding, mold, and renters insurance.
Quick answer: Renters should document storm damage quickly, notify the landlord in writing, protect belongings when safe, and understand what renters insurance may cover.
Document first
Take photos and videos of leaks, ceiling stains, damaged belongings, wet carpet, broken windows, and exterior damage if safe.
Save messages, work orders, receipts, and dates.
Report clearly
Tell the landlord what happened, where it is, when it started, and whether active water, electrical risk, or mold concerns exist.
Use written communication when possible so there is a record.
Insurance split
Landlord insurance usually covers the building, while renters insurance may cover personal belongings or temporary living costs depending on the policy.
Read your policy before storm season, not after damage.