Good documentation is one of the most valuable things a policyholder can provide during a property insurance claim, and taking a thorough, organized approach can make a real difference if a disagreement over value later arises.
Photographs should be taken from multiple angles and distances, capturing both the overall scope of the damage and close up detail of specific problem areas, ideally as soon as possible after the loss occurs.
Video can add helpful context beyond still photographs, particularly for capturing the condition of larger areas or documenting issues like water intrusion that may be harder to convey in a single image.
Keep a written log of the damage and any related events, including when the loss occurred, when it was discovered, and any steps taken afterward, such as temporary repairs or mitigation efforts.
Preserve damaged materials where reasonably possible, rather than discarding everything immediately, since physical evidence can sometimes be useful later, though safety and further damage prevention should still come first.
Save all related receipts and documentation, including for temporary repairs, mitigation services, and any additional living expenses, since these records support both the immediate claim and any later dispute resolution process.
This article is general education about how the appraisal process commonly works. It is not legal advice, and specific procedures can vary by state and policy. If you have questions about your own claim, review your policy language and talk with your insurance company, agent, or an attorney familiar with your state’s laws.
Russ Lis is a working property insurance appraiser and umpire based in Minnesota, serving clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.