Why Timing Is Everything
After a storm, your first instinct is to clean up and make repairs. Don't — not until you've documented everything. Insurance companies deny claims when they can't verify the extent of damage, when it occurred, or whether it was pre-existing. Your photos in the first hours after the storm are your most valuable asset.
What to Capture
✓Exterior damage — roof, siding, gutters, fencing, landscaping, vehicles
✓Interior damage — water intrusion, ceiling damage, wall damage, flooring
✓The cause — fallen trees, hail marks, flooding source, wind damage patterns
✓Belongings — damaged furniture, electronics, clothing, documents
✓Serial numbers — for all damaged electronics and appliances
✓Utility issues — downed power lines, gas leaks, broken pipes
✓Neighboring properties — context showing the storm's impact wasn't limited to you
Documentation Checklist
1
Wait for safety — don't enter damaged structures until cleared2
Photograph the full exterior from all four sides3
Document every room with wide shots before touching anything4
Close-ups of every area of damage5
Video walkthrough of the entire property6
Photograph receipts and serial numbers of damaged items7
Document the weather conditions and date/time of the storm8
Keep all damaged items until the adjuster sees them✓
Before cleanup
Strong evidence
✗
After cleanup
Weak evidence
Working With Your Adjuster
When the insurance adjuster arrives, you want to hand them an organized, timestamped photo report showing the full scope. This removes their ability to downplay damage or claim it was pre-existing. Evidence captured hours after the storm with verified timestamps is nearly impossible to dispute.
