That’s interesting about the photos getting used against you. I always figured more proof was better, but I guess it can backfire. I’ve only got a couple pics from when I patched a spot last fall, but maybe I’ll look into getting a pro inspection next time. My insurance barely budged after my last update, so maybe that’s why.
I get what you mean about photos—sometimes they help, sometimes they just highlight stuff you’d rather not draw attention to. I’ve patched a few spots myself, and I always take pics for my own records, but I’m careful about what I send to the insurance company. If your insurer barely changed your rate, could be they didn’t see enough “risk reduction” from your update. When I had a pro do the inspection, the report spelled out the improvements in detail, which seemed to help more than my own documentation. Maybe it’s just how their system works, but it’s worth considering if you want a bigger discount.
