When disaster strikes, having solid photos to support your insurance claim can mean the difference between a smooth process and endless frustration. Insurance claim photos help you prove the extent of the damage and ensure you get the most coverage available. Here are some tips for taking insurance claim photos.
Capture the Overall Context
Photograph the entire area where the damage occurred to provide context. If it’s a car accident, take wide shots of the vehicle, surrounding street signs, or skid marks.
For real estate damage, snap photos of the full room or exterior of the property. In either instance, before and after photos are integral to your claim. For example, if you’re preparing an insurance claim for roof repairs, it’s best to have pictures of the roof’s original condition to compare to its present state. These shots help claims adjusters better understand the severity and scope of the incident.
Focus on Specific Damage
Use close-up shots to focus on what you want the insurance company to consider most when determining what they will pay. If you have a dent on your car door, get up close to show the depth. For a leaky ceiling, highlight the cracks and water stains. These specific, detailed images allow claims adjusters to see what needs repair.
Use Proper Lighting
Dim, shadowy photos make it harder for claims adjusters to interpret the damage. Natural lighting is often the best choice for taking insurance claim photos, so try to take your pictures near windows or outside during the day. If this isn’t an option, use a flashlight or adjust your camera’s settings for low-light environments.
Include a Reference Point
Sometimes, damage can look bigger or smaller in photos than it really is. A simple way to avoid confusion is with a clear reference point. Place a ruler, coin, or another everyday object such as a soda can next to the damage to provide a sense of scale.
Take Photos From Multiple Angles
Snap photos from various perspectives to give a comprehensive view of the damage. For example, try getting shots from above, below, and the side. More angles can lead to fewer questions and a stronger case.
Taking clear, thorough, and well-lit insurance claim photos is key to speeding up the claims process and ensuring fair compensation. Use these tips to leave no doubt about the size and scope of the problem.
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