Before cleaning up or moving after damage to your home, you need to take photographs for your insurance claim. This is the first thing you should do.
Good photographic documentation can be key to getting your claim approved and fairly compensated. Below, we share an essential checklist to help you take the right photos and videos.
Why is it important to take photos before cleaning?
- It serves as clear evidence. The images capture how the damage looked immediately after the incident.
- It avoids doubts about the cause.
- It allows you to prove that the damage was not pre-existing.
- It facilitates assessment. An inspector will be able to verify what happened more easily, which can speed up the insurance claim.
Photographic checklist for an insurance claim
Ensure your photos are well lit, in focus, and taken from multiple angles. Here are the essentials you should capture:
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Overview
Record or take photos of the entire affected room to provide context.
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Specific damages
Close-up and distant photographs of broken objects, stained walls, damaged furniture, etc.
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Floors and ceilings
Covers leaks, water damage, deformations, or visible cracks.
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Personal belongings
Document any appliances, devices, furniture, clothing, or valuables that have been affected.
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Equipment and systems
Capture the condition of electrical panels, air conditioning units, heaters, or damaged pipes.
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Possible cause of damage
If visible, take photos of the source, such as a broken pipe, a forced window, or fallen branches.
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External evidence
If there are signs of storm damage, vandalism, or external structural damage, include them.
Practical tips for your documentation
- Activate the date and time on your camera or cell phone.
- Do not edit the images; keep them in their original format.
- Save the photos in the cloud or in a secure folder.
- Supplement with a list of damaged items and their estimated value.
What NOT to do before taking photos
- Do not clean or move affected items.
- Do not throw away damaged belongings.
- Do not make repairs until the adjuster has seen them.
All of this can interfere with your insurance claim and reduce your chances of being compensated.
What’s next? Next steps:
- Contact your insurance company to file a claim.
- Keep a digital and physical copy of the evidence.
- Cooperate with the adjuster and follow their instructions.
A well-supported insurance claim depends largely on what you capture in the first few minutes after the incident. By following this photo checklist, you can ensure that you protect your rights and speed up the process.
Are you feeling overwhelmed by the process or unsure where to begin?
At The Claim Partner, we guide you step by step to ensure that your claim is well documented, properly assessed, and that you get what you deserve. Write to us and receive free advice about your case.
Other checklists you can consult:
- How to prevent short circuits and fires during thunderstorms?
- Is your home ready for hurricane season? Checklist to review point by point
- HOME INSURANCE INSPECTION: Checklist to be 100% prepared