OnRecord
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.

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

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

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.

Why I Built It
Most denied and underpaid claims in Louisiana trace back to a single gap: the homeowner couldn’t produce any documentation of the property before the loss — because no one ever told them they needed it. Documentation is the difference. OnRecord is the file I wish every Louisiana home had before a loss.
— William M. Brannon Licensed LA Public Adjuster · #799051
Why You Need It

The Time to Build the Record
Is Before You Need It.

$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.

See Packages →
Every OnRecord File

Inside Your OnRecord File

Six components in every package — the same documentation carriers use to evaluate claims. Scan the components, then scroll through a real packet below.

🏠
Exterior Photo Documentation

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

→ Establishes observable exterior condition at time of inspection, against any pre-existing condition argument.
🖼
Interior Photo Documentation

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

→ Interior water damage claims are among the most commonly disputed. This gives you a professional baseline.
🌀
Other Structures & Fencing

Detached garages, outbuildings, sheds, covered patios, pools, and fencing documented to claims adjuster standards.

→ Other structures are frequently underpaid or excluded. Documentation ties each structure directly to your coverage.
📐
Hover 2D Exterior Measurement Report

A dimensioned 2D exterior model — measurements, footprint, wall lengths, and roof geometry captured before a loss occurs.

→ When a carrier disputes exterior scope, independent measurements are already on file — no guesswork.
🏡
iGUIDE 3D LiDAR Walkthrough

A full 3D LiDAR scan of every interior room — walls, ceilings, floors, fixtures, and finishes captured at millimeter precision.

→ After a loss, the 3D walkthrough shows exactly what the interior looked like before the damage.
📡
Aerial Roof Measurement Report

Aerial measurements documenting total squares, pitch, slopes, ridges, hips, valleys, and all penetrations.

→ These are the same measurement reports carriers use to scope and dispute roof claims.
🏠Exterior Photo Documentation

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

→ Establishes observable exterior condition at time of inspection, against any pre-existing condition argument.
🖼Interior Photo Documentation

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

→ Interior water damage claims are among the most commonly disputed. This gives you a professional baseline.
🌀Other Structures & Fencing

Detached garages, outbuildings, sheds, covered patios, pools, and fencing documented to claims adjuster standards.

→ Other structures are frequently underpaid or excluded. Documentation ties each structure directly to your coverage.
📐Hover 2D Exterior Measurement Report

A dimensioned 2D exterior model — measurements, footprint, wall lengths, and roof geometry captured before a loss occurs.

→ When a carrier disputes exterior scope, independent measurements are already on file — no guesswork.
🏡iGUIDE 3D LiDAR Walkthrough

A full 3D LiDAR scan of every interior room — walls, ceilings, floors, fixtures, and finishes captured at millimeter precision.

→ After a loss, the 3D walkthrough shows exactly what the interior looked like before the damage.
📡Aerial Roof Measurement Report

Aerial measurements documenting total squares, pitch, slopes, ridges, hips, valleys, and all penetrations.

→ These are the same measurement reports carriers use to scope and dispute roof claims.
See It For Yourself

Scroll Through a Real Packet.

No marketing renders. The full deliverable — property photos, Hover measurements, aerial roof data, and a live iGUIDE 3D walkthrough link embedded inside.

OnRecord Packet — Sample File
Scroll inside · Click the iGUIDE link on the last page to launch the 3D tour Open Fullscreen
Loading packet preview…

Every file is held under professional custody. The sample above is provided to show what you receive. Your actual packet is client-specific and stays in our care — no portals, no logins, produced when you need it.

Days
—— Hrs
—— Min
—— Sec
Storm Season Countdown
Until Atlantic hurricane season begins
The best time to document your property is before the phones start ringing.
OnRecord Packages

One Flat Fee. Everything Included.

OnRecord is an investment you hope you’ll never need — and will be glad you have when the time comes.

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

Your OnRecord file isn't stored in a client portal, behind a login, or on a self-serve dashboard. It's held under professional custody by a licensed Louisiana public adjuster — with metadata, geotags, and timestamps preserved exactly as captured. When you need it, we produce it.

Peace of Mind Before Anything Happens
A licensed Louisiana public adjuster is already on file with your property. When something happens, you’re not searching for help — you’re calling the firm that already knows the house.
Priority Scheduling After a Loss
When a loss occurs, OnRecord clients get priority response. Your file already exists; your baseline is already set.
Advocacy If the Claim Gets Hard
If the carrier disputes scope or prior condition, the same firm that documented your property is already positioned to advocate for you — under Louisiana’s appraisal statute or as your Demand Estimate firm.
Peace of Mind Before Anything Happens
A licensed Louisiana public adjuster is already on file with your property. When something happens, you’re not searching for help — you’re calling the firm that already knows the house.
Priority Scheduling After a Loss
When a loss occurs, OnRecord clients get priority response. Your file already exists; your baseline is already set.
Advocacy If the Claim Gets Hard
If the carrier disputes scope or prior condition, the same firm that documented your property is already positioned to advocate for you — under Louisiana’s appraisal statute or as your Demand Estimate firm.
Already an OnRecord client? Annual Refresh is available starting at $295 to keep your file current — ask us at your initial inspection, or when it's time to renew.
In Plain English

Questions You’re Asking Yourself.
Answered.

Straightforward answers to the questions most homeowners have about OnRecord.

Can't I just take photos myself?
You can, and many homeowners do. The difference is a matter of professional documentation standards: an OnRecord file includes measured, timestamped, custody-logged photos alongside Hover 2D measurements, iGUIDE 3D LiDAR capture, and aerial roof data — all produced by a licensed Louisiana public adjuster. These are the same categories of documentation carriers use to scope claims. Phone photos can supplement a file; they generally don't replace one.
What if my carrier disputes the documentation?
Because Equitas Claims Group is a licensed Louisiana public adjuster, we don't just hand you a file and disappear. If a dispute arises, we can advocate for you through a Demand Estimate, appraisal under LA RS 22, or umpire engagement — the same firm that documented your property can represent you through the claim.
Do I need OnRecord if I already have insurance?
Insurance is the coverage. OnRecord is independent documentation of what your property looked like before a loss. Many carriers never inspect a home at policy inception, and when they do, the inspection is typically limited. A pre-loss professional record gives you an independent reference point, separate from whatever documentation the carrier may or may not have.
What do I get at service completion?
At the end of your inspection, you receive your own complete OnRecord packet — every photo, the Hover 2D measurement report, the iGUIDE 3D walkthrough, and the aerial roof measurements, delivered digitally. The authoritative original stays under our Custodian Service, held by a licensed Louisiana public adjuster with metadata, geotags, and timestamps preserved exactly as captured — ready to produce on demand when you or your carrier need it.
What happens if I never file a claim?
The file remains in our custody as long as you're an active client. It can support a future claim, a property sale, an estate matter, or refinancing. For clients who never file a claim, OnRecord functions as a permanent, professional record of property condition — useful across contexts beyond insurance.
What happens after the first year?
Your initial OnRecord package includes the first year of Custodian Service — your file is held, maintained, and produced on demand when you need it. After year one, Custodian Service continues at $59.99 per year on its own, or you can schedule an Annual Refresh (starting at $295) to update the file for property changes — a new roof, a renovation, a post-storm baseline — with another year of custody included. Both are optional, and neither is auto-billed.
Schedule Your Inspection

Pick a Date.
We’ll Be There.

Select a date and time from the calendar. We’ll review your booking and reach out with any questions before arriving.

Prefer not to book online?

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

📅
Schedule Your OnRecord Inspection
Select a date · Receive instant confirmation
Call (504) 408-6327