I have a camera ... but I wouldn't honestly be comfortable taking photos of the clients sites. As such I asked clients before to get photos themselves. They took them with their own digital camera and the results vary but they know they've taken the photos so the original quality is up to them.
I've worked with only 2 professional photographers before but my god the end results are impressive.
I don't think you could really charge going rates for photos that you take yourself unless you've a lot of experience and the end results are going to be very good.
Check out some local photographers and ask them how much it'd cost to visit a client and take some photos ... you may be able to get some kinda discount going as well if there's going to be some reoccuring business.