Prove It With Photos!

When dealing with an insurance claim, the thorough documentation of missing or damaged items is crucial to supplementing. Proper documentation can mean the difference between a swift, favorable resolution and a prolonged, contentious process. One of the most effective ways to ensure your claim is processed smoothly is by providing clear and concise photos of the missing or damaged items. Here's why this step is indispensable and how to do it correctly, especially when dealing with items that are code requirements.

Visual Evidence Speaks Volumes

1. Accuracy and Clarity: Photos provide an accurate and indisputable record of the items in question. Unlike written descriptions, which can be subjective or misinterpreted, photographs offer a clear, visual representation. This helps insurance adjusters understand the extent of the damage or the nature of the missing item without ambiguity.

2. Immediate Context: Images capture the context and environment around the missing or damaged items. For instance, a photo showing a broken window with scattered glass provides context that a written description cannot. This context can be critical in proving the circumstances surrounding the claim.

3. Reduction of Disputes: When you submit clear photos, you minimize the chances of disputes. Insurers are less likely to question the legitimacy of the claim when they have visual proof. This leads to quicker settlements and less back-and-forth communication.

How to Take Effective Photos for Insurance Claims

1. Use Good Lighting: Ensure the area is well-lit. Natural light is best, but if that's not possible, use strong artificial lighting to avoid shadows that can obscure details.

2. Focus on Details: Take close-up shots to capture intricate details of the damage or the missing item's previous location. Include any model numbers or unique identifiers if applicable.

3. Multiple Angles: Photograph the item from various angles. This provides a comprehensive view and ensures no part of the damage is left undocumented.

4. Include Reference Points: Include objects or rulers for scale to give a sense of size and extent. This can help adjusters better understand the scope of the issue.

BONUS: Taking photos doesn’t have to be difficult. Here are some suggested tools you can use to help you get the very best quality photos.

1. Companycam: A wonderful little app that is available on your phone! Company Cam offers so much utility that it’s hard to not say you 100% have to have this. Photo storage, editing, video recording, notations, communications, the list goes on and on. It even can integrate with other applications such as Jobnimbus, Acculynx, Roofr and many more. There is a recurring fee per month, per user. The fee per person is $19. And with all the utility that it brings it's worth every penny.

2. Kodak Pixpro: This tough little yellow camera has great quality and is a proven favorite among adjusters and roofers. This little camera can take a beating and keep on providing great quality photos. Did we mention its waterproof up to 50’, shock proof, and dust proof? Also it can be connected via wifi for easy photo transfers. If you are worried about dropping your treasured iphone off a roof, give this little guy a try. You won’t be disappointed.