For Contractors
Documenting Damage for Insurance Claims
What your photos, notes, and estimates need to include to survive a carrier challenge and support a supplemental claim.
What your photos, notes, and estimates need to include to survive a carrier challenge and support a supplemental claim.
Context
Overview
Carrier scopes frequently omit items visible only during demolition. Your photos and notes are the evidence of what was there. Good documentation protects you and your customer.
How it works
Workflow
- 01
Step 1
Wide-shot of damage before touching anything
- 02
Step 2
Medium shots of each affected surface
- 03
Step 3
Close-ups with measuring tape in frame
- 04
Step 4
Video walk-through with narration
- 05
Step 5
Detailed notes on materials, dimensions, and hidden damage
- 06
Step 6
Date and time stamp every photo and note
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- ✓Licensed Florida public adjusters
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What kind of damage?
Pick the closest match. We will ask for details later.
Avoid these
Common mistakes
- XOnly taking phone photos without metadata
- XNot photographing inside walls during demolition
- XMissing building envelope damage (sheathing, underlayment)
- XNot documenting what the carrier scope missed
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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For professionals
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Xactimate Basics for Florida Contractors
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When Property Managers Should Bring in a Public Adjuster
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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