Photos and Video: Your Most Powerful Evidence

Visual evidence is the most convincing documentation you can provide. Take these steps before any cleanup or repairs begin.

• Take wide-angle shots that show the full scope of damage in relation to the rest of the room or structure
• Take close-up photos that capture specific damage details like cracks, holes, or water lines
• Record video walkthroughs where you narrate what you are seeing and point out damage areas
• Time-stamp everything by enabling date stamps on your phone camera or taking photos of a clock or newspaper
• Photograph the exterior of damaged items like roofs, siding, windows, and gutters from ground level and from above if safe

Keep All Receipts and Invoices

Every dollar you spend on temporary repairs, emergency services, and supplies is potentially reimbursable. But you need receipts to prove it.

• Save receipts for tarps, plywood, lumber, nails, and other repair materials
• Keep invoices from contractors, restoration companies, and handymen who do emergency work
• Save receipts for equipment rental like pumps, wet vacs, dehumidifiers, or fans
• Keep hotel and meal receipts if you need to leave your home due to damage (loss of use coverage)
• Take photos of the receipts in case the originals get lost or damaged

Create a Detailed Inventory of Damaged Property

For personal property claims, a thorough inventory is essential. Your insurance company needs to know exactly what was damaged and what it was worth.

• List every damaged item with brand, model, serial number, and estimated age
• Include the original purchase price if you have receipts or credit card statements
• Photograph each item individually and in its damaged location
• Use a home inventory app or spreadsheet to stay organized
• Do not throw away damaged items until the adjuster has seen them or given permission