Will the insurance company accept pictures of the completed repairs on the house instead of receipts?

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The hurricane repairs for the roof, the screened porch, and windows were all paid for by the insurance company, but the receipts for the work were lost because my mother ( the owner ) passed away. Now the insurance company is asking for receipts we can’t find. Will the insurance company accept detailed pictures of all the work completed, instead of the receipts?”

Asked May 16, 2019

1 Answer


It's possible that an insurance company may accept pictures of completed repairs as evidence of the work performed, but it ultimately depends on the specific policy language and the insurer's claims handling practices. In general, insurance companies require documentation of repairs in order to process a claim. This documentation typically includes receipts, invoices, or other proof of payment for materials and labor, as well as before and after photos of the damage and repairs. If you do not have receipts or invoices, you may be able to submit other forms of documentation to support your claim, such as bank statements or credit card statements showing the charges for materials or labor. You may also be able to provide written statements from contractors or repair professionals detailing the work performed and the associated costs. However, if you cannot provide any documentation of the repairs, it may be difficult to convince the insurance company to pay your claim. This is why it's important to keep thorough records of all repairs and associated costs, including receipts, invoices, and any other relevant documentation. Overall, if you are unsure about the documentation requirements for your insurance claim, it's important to contact your insurer and ask for guidance on what types of documentation will be accepted. By working with your insurer and providing as much documentation as possible, you can increase your chances of receiving full compensation for your claim.

Answered May 20, 2019 by key2616

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