What the adjuster is trying to learn
An adjuster looks at a water loss to answer a few basic questions: what caused it, whether it was sudden or had been going on for a while, how far the water spread, what materials and belongings were damaged, and whether the work proposed matches the damage. Photos taken before cleanup are the best evidence on every one of those points.
That is why order matters. The source and the water itself disappear first, as soon as someone closes a valve and starts mopping. Wide room photos and water lines on walls go next, once drying starts. Close-ups of belongings can wait a little longer, as long as nothing is thrown away.
Shot list, in this order
- The source: the failed hose, fitting, fixture or roof area, before it is repaired. Keep the failed part.
- Standing water with something for scale, such as a tape measure or a shoe.
- Each affected room from the doorway, then from the opposite corner.
- Ceilings, including stains, bulges and fixtures, with the room around them.
- Water lines and wicking on walls, baseboards and cabinets.
- Flooring close-ups: cupping, lifting, staining, wet carpet edges.
- Damaged belongings with labels or brand names visible.
- Anything removed by a contractor, before it goes in the dumpster.
Organizing the files
| Folder | What goes in it | Why |
|---|---|---|
| 1 Source | The failure and repairs | Shows cause and timing |
| 2 Day 1 rooms | Wide shots before cleanup | Shows the extent of water |
| 3 Belongings | Item close-ups | Supports the contents list |
| 4 Drying | Equipment and daily readings | Shows what was done and why |
| 5 Repairs | Before and after rebuild | Closes out the claim |
Questions to ask your insurer early
- Do you want to inspect before anything is removed, or can drying start now?
- How should I send photos and videos: email, an app, or a shared folder?
- Do you need the failed part kept, and for how long?
- Is there a separate limit for mold, water backup or contents?
- Who will review the drying company's moisture readings?
Common questions
Is video better than photos?
A slow walk-through video is a great first record, especially with narration. Photos are still easier to reference item by item, so take both.
What if I already started cleaning before taking photos?
Photograph what is left right away, including wet towels, the pile of removed items and any water lines that remain. Write a short note describing what it looked like before, while you still remember clearly.
General information for Englewood, not a quote or professional advice. In an emergency, call 911.