Pre-Loss
How to Document Your Florida Home Before a Claim
Every room, every elevation, every valuable item photographed and stored before anything happens. The single highest-ROI prep step.
Every room, every elevation, every valuable item photographed and stored before anything happens. The single highest-ROI prep step.
Pre-loss
Why this matters before you have a claim
Pre-loss photos defeat pre-existing-damage denials. Post-storm, carriers routinely attribute storm damage to prior wear. Without pre-loss evidence, the dispute is your word against theirs. With pre-loss photos, it is not a dispute.
What to do
The basics
- 01
Step 1
Wide photo of every exterior elevation with a date stamp
- 02
Step 2
Wide photo of every room
- 03
Step 3
Medium detail of every major feature (roof, fixtures, built-ins)
- 04
Step 4
Close-up of any known existing damage (document what you already have)
- 05
Step 5
Inventory photos of valuables with brand, model, serial
- 06
Step 6
Store copies offsite (cloud, email, family member)
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 traps
Common mistakes
- XPhotos without date stamps
- XStoring only on your phone
- XMissing roof photos
- XForgetting the attic, garage, shed
- XNot updating after renovations
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
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.
Free claim review
Still building your claim? We can help right now.
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.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
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Every common denial reason explained.
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Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
Prepare
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Florida Sinkhole Coverage: CGCC vs Non-Catastrophic Activity
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Another Florida pre-loss documentation or prep topic.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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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