Photo Documentation Checklist

Best Photo Types

• Photos showing the exterior source/path of flooding, including streets, yards, adjoining properties, ditches, rivers, creeks, lakes, or other overflow areas.
• Photos showing visible water lines, mud lines, silt, debris, staining, or floodwater remnants.
• Photos from opposite corners of each affected room, showing the full walls and floor areas.
• Photos before, during, and after demolition.
• Close-up photos of damaged building materials, appliances, mechanicals, contents, and any serial/model plates.

For Removed Materials

• Photograph the material in place before removal.
• Photograph the removed material pile, including enough context to identify the room/area.
• Photograph exposed cavities or substrates after removal.
• Photograph any floodwater staining, contamination, swelling, delamination, or saturation.

Avoid These Problems

• Do not submit only close-up photos with no room context.
• Do not discard high-value damaged contents without photos.
• Do not cover up or rebuild questionable areas before inspection or documentation.

Coverage Disclaimer

This guidance is general information only. Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the Carrier.