Denied Insurance Claims: How Poor Photo Evidence Can Cost You
One of the top reasons property damage insurance claims get denied isn’t fraud or policy issues — it’s poor photo documentation. If your visual evidence doesn’t clearly show what happened and when, you may never get reimbursed. And once denied, appeals are slow, stressful, and not always successful.
How Poor Photo Evidence Leads to Claim Denials
1. Missing Key Angles or Areas
Claims need wide shots, close-ups, and before/after comparisons. Without coverage of the full scope, adjusters may reject your claim as incomplete.
2. No Proof of Timing
Photos must show when the damage happened. If no timestamp exists, insurers can argue the damage occurred outside of the claim window.
3. Unclear Cause of Damage
Wind vs. flood vs. prior wear — the cause matters. Visual proof should make the source of damage obvious through sequence, context, and clarity.
4. Mixed or Unlabeled Files
Dumping raw photos into a shared folder without labeling or organizing weakens your credibility. Clean reporting builds trust.
5. No Proof of Work Completed
If you’re billing for repairs or mitigation, you must show that work was done with detailed photos of progress, materials, and results.
What Strong Photo Evidence Looks Like
- ✅ Clear before-and-after comparisons
- ✅ Time-stamped and tagged images
- ✅ Room-by-room or zone-by-zone documentation
- ✅ Progress updates with commentary
- ✅ Branded photo reports with claim reference numbers
With WorkFotos, you can capture, organize, and share exactly what adjusters need to see — and prevent unnecessary denials.