OnRecord
Equitas Claims Group
OnRecord by Equitas Claims Group

Your Property.
OnRecord.
Before the Claim.

In Louisiana it’s not if, it’s when. The best time to document your property is before you need to prove anything. OnRecord creates a professional, timestamped baseline at policy inception, before storm season, and after major weather events, repairs, or changes.

67%
Annual named storm probabilityLouisiana is struck by a named storm two out of every three years on average.NOAA / Historical Landfall Data
44.6%
Louisiana claims closed without paymentNearly half of all homeowner property claims settled with zero payout.Weiss Ratings, 2024 NAIC Data
12+
Louisiana carriers insolvent since 2020Your insurer may not be there when you need them. Your documentation has to be.Louisiana Department of Insurance
When do I need it?
At Policy Inception

Create a baseline when coverage begins, not after questions start.

Before Storm Season

Document the property before peak weather exposure and before damage is ever alleged.

After Storms or Changes

Even if no claim is filed, documenting the property after a storm, repair, or renovation creates a new baseline from that point forward.

What is OnRecord
OnRecord by Equitas

OnRecord is a property documentation service that creates a permanent, timestamped record of your home’s condition. We photograph, measure, sketch, and organize your property into a professional file that reflects the standards of formal insurance claims.

Peace of mind before the storm.
Complete documentation at policy inception.

Get Your Property OnRecord →
Why You Need It

The File That Doesn’t Exist
Is the One That Can’t Help You.

$6K+
Average annual premium in LouisianaYou’re already paying to be protected. OnRecord gives you the professional documentation to back that investment up.
A documented baseline changes the conversationWhen no clear record exists, questions about prior condition get harder to answer. OnRecord gives you a professional, timestamped baseline to point back to.
Faster response when it matters mostWhen a loss occurs, OnRecord clients don’t start from scratch. The file already exists, the baseline is already set, and the next step is clearer.
✓  OnRecord clients have priority scheduling. Your file is ready the moment you need it.
The Gap No One Talks About

When your carrier wrote your policy, did they send anyone to photograph your home?

Or did they ask you to send in photos yourself?

They accepted your premium.
They just didn’t record what they were insuring.

Most carriers conduct no inspection at all. When they do, it’s a cursory four-point that covers the roof, HVAC, electrical, and plumbing, with no photos of siding, interiors, fencing, or other structures. Some carriers go further and ask you to submit the photos yourself. No measurements, no professional documentation, no consistency. They transfer the work to the policyholder, then hold that file as their record of your property. They created the documentation gap. Then they use it against you when a claim is filed. OnRecord closes it.

01
At Policy Inception
Begin coverage with a real baseline of the property, created the day documentation matters most.
02
Before Storm Season
Establish your baseline before peak Atlantic hurricane season. Your file exists before the phones start ringing, and before every public adjuster in Louisiana is overwhelmed.
03
After Any Event
Even if you don’t file a claim, documenting your property’s condition after an event creates a timestamped record for whatever comes next.
Get Your Property OnRecord →
Every OnRecord File

What’s Inside Every Package

All four exterior elevations, roofline, siding, windows, doors, foundation, and entry points, timestamped and labeled by zone.

→ Establishes the observable exterior condition at the time of inspection, strengthening your position against any pre-existing condition argument.

Every room documented: ceilings, walls, flooring, mechanical, appliances, and any area susceptible to water, wind, or event-related damage.

→ Interior water damage claims are among the most commonly disputed. A documented interior record gives you a professional baseline to reference if a dispute arises.

Detached garages, outbuildings, sheds, covered patios, pools, and fencing documented to claims adjuster standards, mirroring how they would appear on your claim and what coverage they would be associated with in your policy.

→ Other structures are frequently underpaid or excluded. Documentation ties each structure directly to your coverage.

Records the complete layout of your property, exterior and interior, before the power goes out.

→ When a loss occurs, accurate measurements already on file mean no guesswork, fewer carrier disputes over square footage, and no need to start from scratch.

Aerial measurements documenting total squares, pitch, slopes, ridges, hips, valleys, and all penetrations. These are the exact reports a carrier uses to scope a roof claim.

→ These are the same measurement reports carriers use to scope and dispute roof claims. Having them first puts you on equal footing before the conversation starts.
OnRecord Packages

One Flat Fee. Everything Included.

Louisiana homeowners pay an average of over $6,000 per year in premiums. OnRecord gives you the professional documentation to back it up.

Up to 2,000 sq ft
Residential
$695
Initial OnRecord Package
✓ Custodian Service Year 1 Included
2,001 – 3,000 sq ft
Residential
$950
Initial OnRecord Package
✓ Custodian Service Year 1 Included
3,001 – 4,000 sq ft
Residential
$1,295
Initial OnRecord Package
✓ Custodian Service Year 1 Included
4,000+ sq ft
Estate & Commercial
Custom
Quoted per property
✓ Custodian Service Year 1 Included
$59.99
Per Year
First year included in initial package
OnRecord Custodian Service

Every OnRecord file is held under professional custody with metadata, geotags, and timestamps preserved as captured. That keeps the file cleaner, more consistent, and easier to produce when it is needed. Your custodian service also includes priority scheduling after a loss event and is included in the first year of every initial package and in every Annual Record Refresh.

Metadata & timestamp integrity preserved
Priority scheduling after a loss event
File delivery on request
Annual Record Refresh

Your Property Changed.
Did Your File?

Available to existing OnRecord clients. A Refresh updates the file already on record and includes another year of Custodian Service.
📄
At policy renewal or after switching carriers Keep the file aligned with the property as it exists under the current policy, not the last one.
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Before June 1st each year Refresh the record before peak Atlantic hurricane season so your baseline stays current.
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After storms, repairs, or renovations New roof, fence, HVAC, addition, or major weather exposure. If the property changed, the file should too.
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Undiscovered damage can still be found A Refresh may uncover damage that was not visible or documented before, creating a new record you can act on if needed.
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Includes another year of Custodian Service One visit renews the file and keeps your custody uninterrupted for another year.
Annual Record Refresh
Up to 2,000 sq ft$295
2,001–3,000 sq ft$395
3,001–4,000 sq ft$495
4,000+ sq ftCustom
Includes another year of OnRecord Custodian Service
Schedule Your Refresh →
Schedule Your Inspection

Pick a Date.
We’ll Be There.

Select a date and time using the calendar. Before your booking confirms, you’ll be asked for your contact information and property address so we arrive prepared and you receive confirmation details immediately. No back-and-forth required.

1
Pick a date and timeChoose what works for your schedule from available slots.
2
Enter your property detailsYou’ll provide your name, contact info, property address, and approximate square footage before confirming.
3
Instant confirmationYou receive a confirmation immediately. We review your property details and reach out if we have any questions before arriving.

OnRecord documents the observable condition of your property at the time of inspection. It is not a structural assessment or guarantee of claim outcome, and does not prevent any carrier defense including denial, wear and tear, or pre-existing condition arguments. What it provides is a stronger professional baseline, built before you need it, by someone who has spent a decade on both sides of the claims process.

William M. Brannon · Licensed Public Adjuster · LA License #799051

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Schedule Your OnRecord Inspection
Select a date · Receive instant confirmation