I like the idea of a dedicated folder, but honestly, my phone's already a mess of random screenshots and blurry DIY project pics—I'd probably lose track anyway. Last year, when our basement flooded, I thought I was covered until insurance pointed out some tiny clause about "groundwater seepage." Who even thinks to check for that? Now I'm wondering if quick snaps would've helped or if they'd just find another loophole... guess I'll be spending tonight squinting at fine print again.
Yeah, insurance fine print is brutal—been there myself. Did they say specifically if photos would've helped your case, or was it purely about that groundwater clause? Might be worth clarifying before you dive into more blurry basement pics...
Had a similar situation last year—client's basement flooded, and insurance pulled the groundwater clause card too. Photos didn't matter much, unfortunately. Curious though, did they specify anything about sump pump documentation or maintenance records? Sometimes those details swing things...
"Photos didn't matter much, unfortunately."
Yeah, photos can be hit or miss. But honestly, even sump pump records aren't always the magic bullet people think they are. Had a buddy whose insurer brushed off his maintenance logs because they claimed the pump was "undersized" for his basement size—something he never even knew mattered. Might be worth double-checking your policy's fine print about equipment specs... insurers love those sneaky details. Hope you get it sorted soon, these situations are always stressful.
Might be worth double-checking your policy's fine print about equipment specs...
Good point about the equipment specs—makes me wonder how many people even know what counts as "undersized" or not. And if insurers are picky about sump pumps, what else might they nitpick? Insurance fine print feels like a maze sometimes... hope you can navigate through it soon.
