How to Use Document the Damage

Instead of keeping damage photos scattered across your phone, email, text messages, and folders, you can upload or capture photos in one place. Loti’s technology will help sort the images by room or area, generate helpful descriptions, and organize everything into a clean, structured PDF that is easier to review and share.

When to Use Document the Damage

Use Document the Damage when you need to create a clear photo record after property damage.

This tool can be especially helpful after incidents such as:

Fire or smoke damage
Water damage
Storm damage
Wind, hail, or roof damage
Theft or vandalism
Broken windows or exterior damage
Damage to rooms, finishes, fixtures, furniture, or personal property
Any situation where you need to show the condition of your home after a loss

You can use the tool when you are just starting a claim, preparing to speak with your insurance company, working with a contractor, or organizing records for your own files.

What You Need Before You Start

Before using the tool, gather the photos you want to include.

These may include:

Wide photos that show the full room or area
Close-up photos of specific damage
Photos from different angles
Photos of damaged materials, finishes, fixtures, or belongings
Photos of temporary repairs or emergency mitigation work
Photos that show the relationship between the damage and the surrounding area

Clear photos are one of the most important parts of an insurance claim. They help show what happened, where the damage occurred, and how extensive the loss may be.

How to Use the Tool

Go to the Document the Damage tool in the Loti Toolbox.
Select Get Started.
Upload or capture photos of the damaged areas.
Let the tool organize your images into a structured format.
Review the generated descriptions and photo groupings.
Download your completed PDF.
Save the PDF with your claim records and share it with your insurance carrier, contractor, RallyPro, or other claim professional as needed.

The tool is designed to make documentation easier and more organized, especially when you have a large number of photos or damage across multiple rooms or areas.

What the Tool Creates

Document the Damage creates a clean, downloadable PDF that organizes your damage photos into a format that is easier to review and share.

Your report may include:

Uploaded damage photos
Photos sorted by room or area
AI-generated photo descriptions
A structured layout for easier review
A more organized record of your loss
A shareable PDF for your insurance carrier or claim team

This helps solve a common claim problem: large, scattered, disorganized files that are difficult for an insurance adjuster or claim reviewer to understand.

Automatic Photo Organization

One of the main benefits of Document the Damage is that it helps organize your photos by room or area.

For example, photos may be grouped around areas such as:

Kitchen
Bathroom
Bedroom
Living room
Garage
Exterior
Roof
Yard
Basement
Attic
Other affected areas

This structure makes it easier for someone reviewing your claim to understand where the damage occurred and how the photos relate to each other.

AI-Generated Photo Descriptions

Each photo can be paired with a clear description to help explain what the image shows.

These descriptions can help provide context for:

The type of damage
The location of the damage
The affected material or item
The visible condition shown in the photo
The relationship between the photo and the broader claim

Descriptions are especially useful when photos are being reviewed later by someone who was not present at the home, such as an insurance adjuster, claim representative, contractor, or other professional.

Centralized Evidence Management

After a loss, it is common for homeowners to have important photos spread across several places.

You may have photos in:

Your camera roll
Text messages
Email attachments
Contractor messages
Shared folders
Cloud storage
Screenshots
Family member phones

Document the Damage helps bring those photos together into one organized report. This gives you a cleaner record and reduces the chance that important evidence gets missed.

Using the Insurance-Ready PDF

The final PDF is designed to be easy to share with others involved in your recovery.

You may want to share it with:

Your insurance company
Your insurance adjuster
Your Loti claim specialist
Your contractor
A restoration company
A public adjuster
An attorney
Anyone helping you review or document your claim

The PDF can also be saved for your own records. Keeping a clean copy of your damage documentation can help if questions come up later in the claim.

Tips for Better Damage Photos

For the best results, try to include a mix of wide, medium, and close-up photos.

Helpful photo tips include:

Take photos before cleanup or repairs, when safe to do so.
Start with wide shots of each affected room or area.
Take close-ups of specific damaged materials or belongings.
Capture labels, model numbers, serial numbers, or brand details when relevant.
Photograph damage from more than one angle.
Include photos that show scale, such as a full wall, floor, ceiling, or room.
Avoid blurry images when possible.
Do not throw away damaged items before documenting them, unless safety requires it.
Keep receipts and repair records with your claim documentation.

Good photos can help support your claim, reduce confusion, and make the review process easier.

Troubleshooting

What if I have a lot of photos?

That is exactly when the tool can be most useful. Document the Damage is designed to help organize large or scattered sets of photos into a more structured format.

What if my photos are blurry?

Blurry photos may be harder to describe or use as evidence. If possible, retake key photos in better lighting and from multiple angles.

Can I use photos from my phone?

Yes. You can use photos captured on your phone, as long as they clearly show the damage you want to document.

Should I include photos after cleanup or repairs?

Yes, but make sure you also keep photos from before cleanup or repairs when possible. Before-and-after documentation can help show the condition of the property and the work performed.

Does this tool file my claim for me?

No. Document the Damage helps you organize damage photos and create a shareable report. It does not file the insurance claim for you or determine coverage.

Can I share the PDF with my insurance company?

Yes. The PDF is designed to make it easier to share your documentation with your insurance carrier or others helping with your claim.

Why This Tool Matters

Damage documentation is one of the most important parts of an insurance claim. Clear, organized photos can help prove the extent of your loss, support reimbursement, and reduce delays caused by missing or confusing information.

Document the Damage helps turn scattered photos into a structured record that is easier to understand, easier to share, and easier to use throughout your recovery.