Why the photo set wins claims
An adjuster prices what the file proves. A thin photo set gets a thin estimate, and every gap becomes a place to argue the damage was old, cosmetic, or below the deductible. A complete set, shot before cleanup and organized by area, sets the baseline their report is measured against.
Work the house in one pass, outside in and top to bottom, so nothing is missed and the sequence tells the story on its own. Check each frame off below; your progress is saved on this device so you can put the phone down and pick it back up.
Whole-home photo checklist
CHECKLIST · SAVES ON THIS DEVICENot legal advice; consult an attorney about your specific claim. Safety first: never climb a wet or damaged roof or open a wet electrical panel to get a shot.
Work it like a field kit
Shoot first, then mitigate
Document everything before tarps, dry-out, or hauling debris. Tarping is a duty; keep those receipts and dated photos too.
Outside in, top to bottom
The area order is the shooting order. It stops you from missing a room and makes the set read as one story.
Add a reference & date
A tape measure or coin in close-ups sets scale; keep your camera date-stamp on so every frame carries a date.
Progress saves locally
Checked items persist in this browser only, nothing is uploaded. Print a copy before you lose signal in the field.
Photo protocol, in depth
The full method behind this checklist, what adjusters look for and why order matters.
Open →How to file your claim
Step-by-step: notice, proof of loss, and the documents to send with your photos.
Open →Photos done. Now get a read on the claim.
Send your photo set with the denial letter or adjuster estimate and get a straight answer on whether the payout matches the damage, and what to do if it doesn't.
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