What evidence to submit

The stronger your evidence, the faster and more accurately your claim can be reviewed. Here's what to include.

Why evidence matters

Our claims team reviews every submission carefully, but they work from the information you provide. Clear evidence helps them understand what happened, assess the situation accurately, and reach a resolution more quickly.

Photos

Photos are the most important evidence in most claims. Submit photos that show:

• The damaged area or item, close up and in focus
• A wider shot showing the full item or the location in context
• Any packaging or wrapping (if applicable)
• Pre-existing condition, if you have photos from before the job

See Photo requirements for claims for specific guidance on angles, lighting, and what makes a photo useful.

Item details

For damaged or missing items, include:

• Brand, model, or description of the item
• Approximate age
• Purchase price or estimated replacement cost
• Receipt or invoice, if available
• Serial number or product identifier, if applicable

For property damage

In addition to photos, include:

• A description of the location (e.g., "hallway wall, 2 feet from the front door")
• The type of surface affected (drywall, hardwood, tile, etc.)
• A repair estimate, if you've already obtained one

Written description

A clear, factual description of what happened goes a long way. Describe the sequence of events, when you first noticed the issue, and what you believe caused it. Avoid guessing at intent — focus on what you observed.

What you don't need

You don't need a police report, legal documentation, or third-party appraisals to open a claim. Those may be relevant in certain situations, but they're not required to get started.