What photographs does an insurer usually ask for?
Insurers commonly ask for photographs of the source, the water line, the damaged materials, the contents and the rooms as a whole. The photographs should be dated, unedited and clear. This page describes the common requests in general and does not state what any particular policy requires.
Wide photographs of each room show the scale of the damage and where things were. Close photographs show the detail: a stain, a sagging area or a damaged item. A photograph of the water line on a wall, with a ruler or a known object in it, is especially useful for showing how high the water reached.
The insurer may ask for a photograph of the source of the water, such as a broken fitting or a split line. Keep the broken part if it was removed, and photograph it before it is discarded.
Why do moisture readings matter for a claim?
Moisture readings show how wet the structure was and how it dried, which a photograph cannot show. They give the insurer a measure of the damage and a record of the drying. Readings taken at the same marked points on each visit show the progress clearly.
A surface can look dry while the material beneath it is still wet, so a reading gives a more reliable picture than the look of the room. The readings are a record of what the crew found, and they support the scope of the work.
The readings are most useful when they are dated and tied to a sketch of the room. A homeowner who keeps the sketch and the readings together has a record the insurer can follow without needing to visit the house.
What should I do with damaged items before the adjuster visits?
Photograph the items where they lie, then list them. Move them only if they are a hazard or if they will be damaged further, and photograph them again before and after any move. Do not throw away items that the insurer may want to see unless they are unsafe or a hazard to health.
Items that are unsafe to keep, such as wet electrical equipment or contaminated food, should be photographed and then disposed of safely. The record should show that they were removed and why.
Keep receipts, warranties and proof of purchase where they exist. The list should be made with the insurer's needs in mind, but it should be the homeowner's own honest record.
How does a claim record help the insurer and the homeowner?
A clear, dated record reduces the back-and-forth on a claim. It shows what happened, when, and what was done about it. It also helps the homeowner check the insurer's decision against the evidence. Where a claim is delayed or denied, the record is the basis for a complaint or a second look.
A claim that is well documented from the start is easier to follow for everyone. The insurer can see the extent of the damage, the homeowner can see what has been done, and the crew's readings show the progress.
If a claim is handled badly, the Louisiana Department of Insurance takes complaints about how claims are handled. The record is the most useful thing a homeowner can bring to that complaint, and it should be kept in date order.
What does this service cover, and what does it not?
This service covers the photographs, readings, sketches and dated notes made during the water work. It does not decide the claim, does not state policy terms and does not promise an outcome from the insurer. The policy and the insurer decide what is covered.
The crew's job is to read the building, dry it and keep a record of what it found and did. The record is shared with the homeowner for the claim, and the homeowner decides what to send to the insurer.
A homeowner who has doubts about the coverage should ask the insurer in writing, and should keep copies of every letter. This site does not give the coverage rules for any policy.