What happened?

Know exactly what photos your insurer needs

Before you take a single shot, get the adjuster-level shot list with visual framing diagrams. Avoid the common denial traps that cost people thousands.

You'll see the exact shot list adjusters use for Water Damage in Texas, with visual framing diagrams for every shot.

Your shot list

0 of 12 shots complete
#1

Wide room — doorway, chest height

Why this matters: Proves overall extent of water damage in the room.

#2

Water line close-up with ruler

Why this matters: Adjusters use this to calculate volume of damage.

#3

Source of leak (pipe/appliance)

Why this matters: Identifies the cause of loss for coverage determination.

#4

Damaged materials close-up

Why this matters: Documents specific items needing replacement.

#5

Serial plate of failed appliance

Why this matters: Proves model and age for depreciation calc.

#6

Adjacent rooms showing no damage

Why this matters: Proves you mitigated and damage didn't spread.

#7

Floor covering damage overview

Why this matters: Shows scope of flooring replacement needed.

#8

Baseboards / trim swelling

Why this matters: Proves wicking damage requiring removal.

#9

Exterior entry point of water

Why this matters: Proves source if weather-related vs internal.

#10

Shut-off valve position

Why this matters: Proves you took immediate mitigation steps.

#11

24-hour follow-up drying progress

Why this matters: Critical: proves ongoing mitigation effort.

#12

Dehumidifier / fans running

Why this matters: Proves active drying equipment was deployed.

Denial traps to avoid

Top reasons Water Damage claims get denied for incomplete evidence — and which shot prevents it.

⚠️

Missing 24-hour mitigation shots

Insurer claims you failed to mitigate by not showing drying progress.

Source: ISO Claim Evidence Standards, 2023
⚠️

No ruler/scale in water line photos

Adjuster cannot calculate volume without height reference.

Source: NAIC Model Reg. 880, 2022
⚠️

No serial plate on failed appliance

Cannot prove age/model for depreciation calculation.

Source: ISO Claim Evidence Standards, 2023

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Incident timeline checklist

  1. Before incident: bookmark this page, know your policy number
  2. During incident: take these shots, call insurer within 24-48 hrs, start mitigation
  3. After: take 24-hr follow-up shots, submit claim with all photos, keep for renewal

Bookmark this page or export the PDF before you need it — power outages and bad signal are the worst time to search.

0 Claim types covered Water, roof, auto, theft, liability
0 US jurisdictions 50 states + DC, state DOI guidelines
0 Languages EN, RU, ES, ZH full translation

Claim Evidence. Shot lists derived from ISO claim evidence standards, NAIC model regulations, and state DOI guidelines. No accounts, no tracking, works offline.