Does homeowners insurance require pictures and receipts to pay a claim?

That depends on the insurance company. Call your company's service department to verify their particular guidelines. You will also want to ask them if they require you to replace the items yourself and then submit the receipt for reimbursement, or if they mail your claims check based on the size of the claim.

Typically, paper documentation is only required for those items listed under the "Special Limits of Liability" under Section 1 of your insurance contract. Items with "special limits of liability" include: jewelry, watches, furs, silverware and goldware, business property, and firearms. Pictures are usually insufficient for these particular items. Again, call your company to see what they would recommend.