Documenting Your Property for Claims
Proper documentation before loss occurs is critical for claim success. Insurers need evidence of property value and condition to pay claims fairly.
Pre-Loss Documentation
Photograph and video all property features, conditions, and improvements. Document renovations and upgrades. Maintain receipts for significant expenses. Create a detailed property inventory.
After a Loss Occurs
Photograph all damage from multiple angles. Document the sequence of damage. Preserve damaged items for inspection. Get written estimates from contractors. Keep detailed notes of conversations with adjusters.
Personal Property Documentation
For contents coverage, maintain an inventory with photos and receipts. For furnished short-term rentals, document all furnishings with value estimates.
Damage Mitigation
Take reasonable steps to prevent further damage (e.g., covering roof damage with a tarp). Insurance may reduce payments if you failed to mitigate damage.
Working with Adjusters
Be honest and complete with adjuster interviews. Provide all documentation promptly. Request detailed estimates for repairs. Challenge lowball valuations with independent estimates.