Having worked in the insurance industry for almost 30 years I have to tell you this is great advice. Many insurance companies will work with you, but YOU may not remember all the little details of what is in your home due to the panic of the situation. We tend to remember the biggest, costliest items like a TV. Would I remember that I have 5 lamps just in my living room...probably not. Photos are great and will help jog your memory on all the smaller items.