General Requirements of Photo Sheets
All photos must contain this detail for verification purposes.
What are date and time stamps?
The full front elevation of the property must always be captured, also known as this.
What is the front of risk?
Wide-angle photos must be taken from each of these four locations in a room.
What are the corners?
These two documents must be issued immediately: one preserves rights, and the other must be signed and returned in 60 days.
What are the ROR letter and Proof of Loss form?
Policies require prompt notice of this, and any delay must be explained.
What is a loss?
Each photo must include this written information, such as “Kitchen – Water damage to ceiling.”
What are labels and descriptions?
These numbers must be photographed clearly to verify property location.
What are address numbers?
For appliances involved in a loss, adjusters must photograph these three details from the tags.
What are make, model, and serial number?
If the Proof of Loss is not returned within 60 days, the claim must be this.
What is denied and closed?
The reported date of loss must be confirmed for accuracy and to ensure this requirement is met.
What is that the peril occurred within the policy period?
Photos should be clear, legible, and free of these unrelated policyholder details.
What are personal identifiers?
Photos of trampolines, rotting wood, or unfenced pools fall under this type of documentation.
What are high-risk issues?
Adjacent rooms must be photographed to show this.
What is the spread of loss?
Adjusters must request the last six months of these from the mortgage company.
What are inspection reports?
Policyholders or mortgage companies must notify the insurer of changes in these two conditions.
What are occupancy and vacancy?
This software is where photos must be uploaded.
What is XACT analysis?
When documenting exterior elevations, these three major parts of the property must always be included.
What are roofline, foundation, and siding?
This type of photo should highlight damaged high-value personal property, such as designer bags or electronics.
What are close-ups?
Inspection reports help verify occupancy status, pre-existing damage, and this.
What is delay in reporting?
Even though the ROR attaches automatically to ImageRight, the adjuster must still do this.
What is note in the file that it was issued?
Regular reviews of photo reports are called this.
What are audits?
To document the cause of loss, you might photograph storm debris, fallen trees, or this plumbing issue.
What is a failed plumbing line?
Flooring cupping or lifting should be shown by placing this object against the surface.
What is a ruler or flat object?
All requests and responses must be recorded here.
What are claim notes?
Proof of Loss forms and inspection requests must be uploaded here.
What is the claim file?