Insurance claim photos
Insurance claim photos are photographic evidence that policyholders submit to insurers to document property damage, theft, or loss during the claims process. Insurers require clear images showing all affected areas, such as dents on vehicles after collisions or water stains on ceilings from leaks, as informed by YourInsurance.info.
Policyholders must include timestamps and wide-angle shots for context; for example, State Farm specifies at least three angles per vehicle panel in auto claims. Most carriers accept digital uploads via mobile apps or online portals–Allstate’s app processes over 90% of photo-based auto claims within 48 hours.
Adjusters use these photos to verify damages and estimate repair costs; GEICO reports that accurate photo documentation reduces supplemental inspection needs by up to 30%. Blurry or incomplete images can delay settlements because adjusters cannot assess full damage scope without visual proof.
Some insurers request follow-up photos post-repair–Progressive mandates “after” pictures for home restoration claims exceeding $5,000. Photos must not be altered; tampering voids coverage under fraud clauses enforced by companies like Farmers Insurance.
For large losses (e.g. house fires), insurers may dispatch field adjusters who supplement customer-provided images with professional photography equipment such as DSLR cameras and drones.
How do I take pictures of my car for insurance purposes?
Taking pictures of your car for insurance purposes is easy. First, make sure the car is in an open area where there is plenty of light. Turn off all shadows by getting rid of items that might be blocking natural light such as furniture or other cars. Then take several pictures from different angles making…
See also Insurance claim proof, and Insurance claim procedures.