How carrier photos get selective
- Close-ups of minor surface damage, no context
- Shots from specific angles that minimize severity
- Absence of damage areas that would support scope
- "After cleanup" photos when mitigation is in progress
- Ground-level photos of roof damage instead of tactical
What policyholder photos should capture
Overview
- Full-property exterior
- Each elevation
- Aerial / drone context
Damage specific
- Each damaged area with scale (tape measure, ruler)
- Multiple angles per damage area
- Close-up and context shots
- Timestamps via EXIF data
Comparative
- Adjacent undamaged area for baseline
- Before/after if possible
- Prior maintenance / condition
- Pre-loss images where available (family photos, social media)
Interior
- Every affected room
- Ceiling, walls, floors
- Attic space above
- Cabinet and closet interiors
- HVAC components
Preserving photos for claim use
- Cloud backup with timestamps
- Original-quality (not compressed)
- Organized by room/area
- Logged with date and description
- Provided to carrier formally (not informally)