Documentation for an expert report from loss

In an expert report derived from a loss (fire, flood, theft, water damage, other insured risks), the documentation fulfills a double function: to prove the contractual relationship with the insurer and to reconstruct what happened with the greatest possible rigor. The deadlines, coverage and strategies vis-à-vis the company correspond to the lawyer.

Contractual documentation

Current policy

It is the starting point. Includes:

• Contracted coverage.
• Sums insured.
• Franchises.
• Exclusions.
• Specific and general conditions.

Provide the last renewal and paid bills. If there have been recent changes to the policy, indicate dates.

Communications with the company

• Emails with the mediator, processor or adjuster.
• Letters or burofaxes received and sent.
• Compensation offers if they have been issued.

loss Documentation

Part of loss

Copy of the report communicated to insurer, with date and file number.

Company adjuster report

If the company’s adjuster or expert has visited the site and issued a report, it is essential to have it available, even if the client does not agree with its conclusions.

Police report or report

When the Civil Guard, National Police or Local Police have intervened, the corresponding report or report provides objective data on the origin and evolution of loss. In fires it is especially relevant.

Firefighters report

In fires, when available, the fire service report offers key technical information on outbreak, spread and actions.

Documentation of the property or affected property

• Property deed or lease contract.
• Invoices for damaged or listed goods with value.
• Invoices for recent renovations that affect damaged property.
• Certified installations (electrical, gas) if they are related to the origin.

Photos and videos

From the moment of loss and the immediate hours

If you have material taken during or just after loss (your own images, images from neighbors, images from authorized emergency services), it is especially valuable.

From current status

Photographs of the damage at the time of the expert visit, even if cleaning or debris removal tasks have begun for safety.

Good practices in the photo and video guide.

Estimates and invoices for repair or replacement

• Broken down repair estimates.
• Invoices for emergency work (bailing, shoring, replacement of facilities).
• Replacement invoices for goods already purchased.

Procedural data

If there is an appointed attorney or ongoing proceedings:

• File reference.
• Information about the lawyer and the attorney.
• Previous writings.

Prudence

Do not tamper with or remove items from the loss location without authorization, except for safety reasons. Altering the scene can make technical reconstruction difficult.

Next steps

• Please refer to general process.
• Review the general documentation guide.
• discuss your case from the help form or the contact page.