# The law on a restoration firm's photos, files and claims

> 4 of 14 texts read say personal details must come out, or a lawful basis must exist, before a restoration firm's records are reused, newest read 31 October 2026.

Sell Restoration Data to AI · https://sellrestorationdatatoai.com/datasets/restoration-records-sale-law/ · computed 2026-10-31

**Provisions saying personal details come out first:** 4 of 14 provisions (15 texts read; 15 named).

## The answers, question by question

- **What the provision is about:** who owns a photograph or other work 5, an insurer's customer information 3, when information about a person, such as a photo of their home, is personal data 3, what only a work's owner may do 1, a homeowner assigning insurance benefits to a contractor 1, the grounds for using personal data 1
- **What it means for licensing the firm's records:** defines the terms the rules use 4, personal details must come out, or a basis must exist 4, decides who owns the record 3, the information belongs with someone else, such as the insurer 2, varies 1
- **What it says, in its own words:** stated 14

## Every provision

| Provision | What the provision is about | What it means for licensing the firm's records | What it says, in its own words |
|---|---|---|---|
| 15 U.S.C. 6801 | an insurer's customer information | the information belongs with someone else, such as the insurer | It is the policy of the Congress that each financial institution has an affirmative and… |
| 15 U.S.C. 6809 | an insurer's customer information | defines the terms the rules use | The term “nonpublic personal information” means personally identifiable financial… |
| 17 U.S.C. 101 | who owns a photograph or other work | defines the terms the rules use | “Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional… |
| 17 U.S.C. 106 | what only a work's owner may do | decides who owns the record | Subject to sections 107 through 122, the owner of copyright under this title has the… |
| 17 U.S.C. 201 | who owns a photograph or other work | decides who owns the record | In the case of a work made for hire, the employer or other person for whom the work was… |
| CDPA 1988 s 11 | who owns a photograph or other work | decides who owns the record | his employer is the first owner of any copyright in the work subject to any agreement to… |
| CDPA 1988 s 4 | who owns a photograph or other work | defines the terms the rules use | a graphic work, photograph, sculpture or collage, irrespective of artistic quality, |
| CDPA 1988 s 9 | who owns a photograph or other work | defines the terms the rules use | In this Part “author”, in relation to a work, means the person who creates it. |
| Federal Trade Commission | an insurer's customer information | the information belongs with someone else, such as the insurer | to explain their information-sharing practices to their customers and to safeguard… |
| Florida Statutes 627.7152 | a homeowner assigning insurance benefits to a contractor | varies by document | issued on or after January 1, 2023. An attempt to assign post-loss property insurance… |
| ICO | when information about a person, such as a photo of their home, is personal data | personal details must come out, or a basis must exist | That individual must be identified or identifiable either directly or indirectly from one… |
| UK GDPR Article 4 | when information about a person, such as a photo of their home, is personal data | personal details must come out, or a basis must exist | ‘personal data’ means any information relating to an identified or identifiable natural… |
| UK GDPR Article 6 | the grounds for using personal data | personal details must come out, or a basis must exist | Processing shall be lawful only if and to the extent that at least one of the following… |
| UK GDPR Article 9 | when information about a person, such as a photo of their home, is personal data | personal details must come out, or a basis must exist | data concerning health or data concerning a natural person's sex life or sexual… |

## The sentence each answer rests on (45)

- 15 U.S.C. 6801, [Protection of nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6801), read 2026-10-31, What the provision is about: "each financial institution has an affirmative and continuing obligation to respect the privacy of its customers"
- 15 U.S.C. 6801, [Protection of nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6801), read 2026-10-31, What it means for licensing the firm's records: "to protect the security and confidentiality of those customers’ nonpublic personal information"
- 15 U.S.C. 6801, [Protection of nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6801), read 2026-10-31, What it says, in its own words: "It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers"
- 15 U.S.C. 6809, [Definitions, financial institution and nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6809), read 2026-10-27, What the provision is about: "The term “nonpublic personal information” means personally identifiable financial information"
- 15 U.S.C. 6809, [Definitions, financial institution and nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6809), read 2026-10-27, What it means for licensing the firm's records: "The term “nonpublic personal information” means personally identifiable financial information"
- 15 U.S.C. 6809, [Definitions, financial institution and nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6809), read 2026-10-27, What it says, in its own words: "The term “nonpublic personal information” means personally identifiable financial information"
- 17 U.S.C. 101, [Definitions, pictorial and graphic works](https://www.law.cornell.edu/uscode/text/17/101), read 2026-10-03, What the provision is about: "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs"
- 17 U.S.C. 101, [Definitions, pictorial and graphic works](https://www.law.cornell.edu/uscode/text/17/101), read 2026-10-03, What it means for licensing the firm's records: "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs"
- 17 U.S.C. 101, [Definitions, pictorial and graphic works](https://www.law.cornell.edu/uscode/text/17/101), read 2026-10-03, What it says, in its own words: "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs"
- 17 U.S.C. 106, [Exclusive rights in copyrighted works](https://www.law.cornell.edu/uscode/text/17/106), read 2026-10-08, What the provision is about: "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:"
- 17 U.S.C. 106, [Exclusive rights in copyrighted works](https://www.law.cornell.edu/uscode/text/17/106), read 2026-10-08, What it means for licensing the firm's records: "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:"
- 17 U.S.C. 106, [Exclusive rights in copyrighted works](https://www.law.cornell.edu/uscode/text/17/106), read 2026-10-08, What it says, in its own words: "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:"
- 17 U.S.C. 201, [Ownership of copyright, works made for hire](https://www.law.cornell.edu/uscode/text/17/201), read 2026-10-08, What the provision is about: "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title"
- 17 U.S.C. 201, [Ownership of copyright, works made for hire](https://www.law.cornell.edu/uscode/text/17/201), read 2026-10-08, What it means for licensing the firm's records: "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title"
- 17 U.S.C. 201, [Ownership of copyright, works made for hire](https://www.law.cornell.edu/uscode/text/17/201), read 2026-10-08, What it says, in its own words: "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title"
- CDPA 1988 s 11, [First ownership of copyright](https://www.legislation.gov.uk/ukpga/1988/48/section/11), read 2026-10-08, What the provision is about: "his employer is the first owner of any copyright in the work subject to any agreement to the contrary."
- CDPA 1988 s 11, [First ownership of copyright](https://www.legislation.gov.uk/ukpga/1988/48/section/11), read 2026-10-08, What it means for licensing the firm's records: "his employer is the first owner of any copyright in the work subject to any agreement to the contrary."
- CDPA 1988 s 11, [First ownership of copyright](https://www.legislation.gov.uk/ukpga/1988/48/section/11), read 2026-10-08, What it says, in its own words: "his employer is the first owner of any copyright in the work subject to any agreement to the contrary."
- CDPA 1988 s 4, [Artistic works, photographs](https://www.legislation.gov.uk/ukpga/1988/48/section/4), read 2026-10-28, What the provision is about: "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,"
- CDPA 1988 s 4, [Artistic works, photographs](https://www.legislation.gov.uk/ukpga/1988/48/section/4), read 2026-10-28, What it means for licensing the firm's records: "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,"
- CDPA 1988 s 4, [Artistic works, photographs](https://www.legislation.gov.uk/ukpga/1988/48/section/4), read 2026-10-28, What it says, in its own words: "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,"
- CDPA 1988 s 9, [Authorship of work](https://www.legislation.gov.uk/ukpga/1988/48/section/9), read 2026-10-08, What the provision is about: "In this Part “author”, in relation to a work, means the person who creates it."
- CDPA 1988 s 9, [Authorship of work](https://www.legislation.gov.uk/ukpga/1988/48/section/9), read 2026-10-08, What it means for licensing the firm's records: "In this Part “author”, in relation to a work, means the person who creates it."
- CDPA 1988 s 9, [Authorship of work](https://www.legislation.gov.uk/ukpga/1988/48/section/9), read 2026-10-08, What it says, in its own words: "In this Part “author”, in relation to a work, means the person who creates it."
- Federal Trade Commission, [Gramm-Leach-Bliley Act business guidance](https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act), read 2026-10-31, What the provision is about: "to explain their information-sharing practices to their customers and to safeguard sensitive data."
- Federal Trade Commission, [Gramm-Leach-Bliley Act business guidance](https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act), read 2026-10-31, What it means for licensing the firm's records: "to explain their information-sharing practices to their customers and to safeguard sensitive data."
- Federal Trade Commission, [Gramm-Leach-Bliley Act business guidance](https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act), read 2026-10-31, What it says, in its own words: "to explain their information-sharing practices to their customers and to safeguard sensitive data."
- Florida Statutes 627.7152, [Assignment agreements (2023)](https://www.flsenate.gov/Laws/Statutes/2023/627.7152), read 2026-10-31, What the provision is about: "“Assignee” means a person who is assigned post-loss benefits through an assignment agreement."
- Florida Statutes 627.7152, [Assignment agreements (2023)](https://www.flsenate.gov/Laws/Statutes/2023/627.7152), read 2026-10-31, What it means for licensing the firm's records: "“Assignee” means a person who is assigned post-loss benefits through an assignment agreement."
- Florida Statutes 627.7152, [Assignment agreements (2023)](https://www.flsenate.gov/Laws/Statutes/2023/627.7152), read 2026-10-31, What it says, in its own words: "“Assignment agreement” means any instrument by which post-loss benefits under a residential property insurance policy or commercial property insurance policy"
- Florida Statutes 627.7152, [Assignment agreements (2024)](https://www.flsenate.gov/Laws/Statutes/2024/627.7152), read 2026-10-31, What the provision is about: "a policyholder may not assign, in whole or in part, any post-loss insurance benefit under any residential property insurance policy"
- Florida Statutes 627.7152, [Assignment agreements (2024)](https://www.flsenate.gov/Laws/Statutes/2024/627.7152), read 2026-10-31, What it means for licensing the firm's records: "An attempt to assign post-loss property insurance benefits under such a policy is void, invalid, and unenforceable."
- Florida Statutes 627.7152, [Assignment agreements (2024)](https://www.flsenate.gov/Laws/Statutes/2024/627.7152), read 2026-10-31, What it says, in its own words: "issued on or after January 1, 2023. An attempt to assign post-loss property insurance benefits under such a policy is void, invalid, and unenforceable."
- ICO, [What is personal data](https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/), read 2026-10-08, What the provision is about: "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual."
- ICO, [What is personal data](https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/), read 2026-10-08, What it means for licensing the firm's records: "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual."
- ICO, [What is personal data](https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/), read 2026-10-08, What it says, in its own words: "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual."
- UK GDPR Article 4, [Definitions](https://www.legislation.gov.uk/eur/2016/679/article/4), read 2026-10-08, What the provision is about: "in particular by reference to an identifier such as a name, an identification number, location data, an online identifier"
- UK GDPR Article 4, [Definitions](https://www.legislation.gov.uk/eur/2016/679/article/4), read 2026-10-08, What it means for licensing the firm's records: "‘personal data’ means any information relating to an identified or identifiable natural person"
- UK GDPR Article 4, [Definitions](https://www.legislation.gov.uk/eur/2016/679/article/4), read 2026-10-08, What it says, in its own words: "‘personal data’ means any information relating to an identified or identifiable natural person"
- UK GDPR Article 6, [Lawfulness of processing](https://www.legislation.gov.uk/eur/2016/679/article/6), read 2026-10-08, What the provision is about: "Processing shall be lawful only if and to the extent that at least one of the following applies:"
- UK GDPR Article 6, [Lawfulness of processing](https://www.legislation.gov.uk/eur/2016/679/article/6), read 2026-10-08, What it means for licensing the firm's records: "Processing shall be lawful only if and to the extent that at least one of the following applies:"
- UK GDPR Article 6, [Lawfulness of processing](https://www.legislation.gov.uk/eur/2016/679/article/6), read 2026-10-08, What it says, in its own words: "Processing shall be lawful only if and to the extent that at least one of the following applies:"
- UK GDPR Article 9, [Special categories of personal data](https://www.legislation.gov.uk/eur/2016/679/article/9), read 2026-10-08, What the provision is about: "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited."
- UK GDPR Article 9, [Special categories of personal data](https://www.legislation.gov.uk/eur/2016/679/article/9), read 2026-10-08, What it means for licensing the firm's records: "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited."
- UK GDPR Article 9, [Special categories of personal data](https://www.legislation.gov.uk/eur/2016/679/article/9), read 2026-10-08, What it says, in its own words: "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited."

## Methodology

Each provision's own US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance were read through estate-fetch and stored whole (sha256 on every row). For every text, three questions were answered from its own words: what the provision is about, what it means for licensing the firm's records, what it says, in its own words. Every stated answer carries the sentence it rests on, checked against the stored text; 'not stated' means the text read does not address the question. A provision with several texts reads 'varies' where they disagree. 14 provisions, 15 texts.

## Sources

- [17 U.S. Code 101: definitions](https://www.law.cornell.edu/uscode/text/17/101) (read)
- [17 U.S. Code 106: exclusive rights](https://www.law.cornell.edu/uscode/text/17/106) (read)
- [17 U.S. Code 201: ownership of copyright](https://www.law.cornell.edu/uscode/text/17/201) (read)
- [CDPA 1988 s 4: artistic works](https://www.legislation.gov.uk/ukpga/1988/48/section/4) (read)
- [CDPA 1988 s 9: authorship of work](https://www.legislation.gov.uk/ukpga/1988/48/section/9) (read)
- [CDPA 1988 s 11: first ownership of copyright](https://www.legislation.gov.uk/ukpga/1988/48/section/11) (read)
- [UK GDPR Article 4: definitions](https://www.legislation.gov.uk/eur/2016/679/article/4) (read)
- [UK GDPR Article 6: lawfulness of processing](https://www.legislation.gov.uk/eur/2016/679/article/6) (read)
- [UK GDPR Article 9: special categories of personal data](https://www.legislation.gov.uk/eur/2016/679/article/9) (read)
- [ICO: what is personal data](https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/) (read)
- [15 U.S. Code 6801: protection of nonpublic personal information](https://www.law.cornell.edu/uscode/text/15/6801) (read)
- [15 U.S. Code 6809: definitions (GLBA)](https://www.law.cornell.edu/uscode/text/15/6809) (read)
- [FTC: Gramm-Leach-Bliley Act business guidance](https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act) (read)
- [Florida Statutes 627.7152 (2024): assignment agreements](https://www.flsenate.gov/Laws/Statutes/2024/627.7152) (read)
- [Florida Statutes 627.7152 (2023): assignment agreements](https://www.flsenate.gov/Laws/Statutes/2023/627.7152) (read)

## Cite or embed

- 4 of 14 texts read say personal details must come out, or a lawful basis must exist, before a restoration firm's records are reused, newest read 31 October 2026.
- What the provision is about, by provision: who owns a photograph or other work 5 of 14, when information about a person, such as a photo of their home, is personal data 3 of 14, an insurer's customer information 3 of 14, a homeowner assigning insurance benefits to a contractor 1 of 14, the grounds for using personal data 1 of 14, what only a work's owner may do 1 of 14 (14 provisions, read 31 October 2026).
- What it means for licensing the firm's records, by provision: defines the terms the rules use 4 of 14, personal details must come out, or a basis must exist 4 of 14, decides who owns the record 3 of 14, the information belongs with someone else, such as the insurer 2 of 14, varies 1 of 14 (14 provisions, read 31 October 2026).
- What it says, in its own words, by provision: stated 14 of 14 (14 provisions, read 31 October 2026).

Cite as: "The law on a restoration firm's photos, files and claims", updated 2026-10-31, https://sellrestorationdatatoai.com/datasets/restoration-records-sale-law/.

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