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- When purchasing a new insurance policy, most insurance providers send agents to take pictures of your home for reference.<\/li>\n\n\n\n
- It is important to take pictures of your home before and after damage occurs to keep an up-to-date record of the home’s expected condition.<\/li>\n\n\n\n
- Keeping a photo inventory of your personal items is a good way to keep track of inventory for your insurance provider.<\/li>\n<\/ul>\n\n<\/div>\n\n\n
<\/span>Photos in relation to a claim<\/span><\/h2>\n\n\n\n
One of the most common reasons that you will be asked to allow an adjuster <\/a>on the property to take pictures of your home is due to a claim<\/a>. In most cases, an adjustor will come to your home to assess any damage reported in a claim. When this happens, they will often take pictures of the damaged area. This serves as proof and reference in regard to the claim. This evidence is often used when a payout is calculated.<\/p>\n\n\n\n
Before an adjuster goes to your home to take pictures for a claim, the insurance company<\/a> must notify you. This is typically done 48 hours in advance of the appointment or set date to take these pictures. Each state has specific notification requirements that each insurance company needs to comply with.\u00a0<\/p>\n\n\n\n
<\/span>Request for photos without a claim<\/span><\/h2>\n\n\n\n
There are also scenarios in which you will be asked to take pictures for insurance companies when a claim is not present. While this seems like an invasion of privacy, it is an important part of the insurance process. Below are some common reasons insurers might snap a few pictures of your home.<\/p>\n\n\n\n
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- Inspection<\/strong>. All homeowner’s policies will require an initial inspection<\/a>. This provides the insurance company with an idea of the house’s current condition. This allows them to have a point of reference if a claim is filed in the future.<\/li>\n\n\n\n
- Hazard detection<\/strong>. Another reason why pictures are often requested is to determine whether or not hazards are present on a policy that can affect insurability. This is especially common when a new policy is opened or renewed.<\/li>\n\n\n\n
- Update inventory.<\/strong> If you have a policy that replaces high-priced items, the insurance company may ask you to take pictures of the items and send them to them. This will update the inventory<\/a> they have on file to ensure the item is covered properly in case of a claim.<\/li>\n<\/ul>\n\n\n\n
The insurance company is not looking to violate your privacy when they request these photos. Instead, they are ensuring that they have the most accurate records possible in relation to your home. This behooves you and the insurance company in the long run.<\/p>\n\n\n
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