Stop Losing Thousands on Insurance Claims
Your home burns down. The adjuster asks: "Can you prove what you owned?" Without documentation, claim settlements can be significantly reduced. Document your belongings now and protect the insurance you're already paying for.
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Many homeowners struggle to prove what they owned after a fire or major loss.
Having photo documentation significantly improves claim outcomes.
How It Works
1) Take Photos
Snap a picture and add a few details for each item.
2) See an Estimate
View a simple value estimate to guide coverage conversations.
3) Export & Share
Create a PDF packet for your insurer, agent, or family.
Document Insurance Items In Seconds
Stop spending hours typing in details. Our AI instantly extracts manufacturer names, model numbers, serial numbers, condition, and market values from photos. Perfect for insurance documentation - AI even reads barcodes and QR codes. What used to take hours now takes seconds.
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Photo-Based Documentation
AI extracts visible details from photos to help document items
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Detail Extraction
Captures visible serial numbers and model info when photographed clearly
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Value Estimates
AI-powered market value estimates to guide coverage decisions
Built to Help with Insurance
Organized Item List
Photos and details for each belonging in one place.
Value Estimates
Simple, informational estimates to guide conversations.
Policy Organizer
Track policy numbers, renewals, and contacts.
Receipts & Appraisals
Attach documents so they’re ready when needed.
Export & Share
Create a PDF/packet for family or your agent.
How Documentation Affects Claims
Documentation can significantly impact insurance claim outcomes
Illustrative Example: This scenario is for educational purposes. Actual claim outcomes vary based on policy terms, coverage limits, and individual circumstances. Consult your insurance agent for specific coverage information.
Neighbor A: No Inventory
Submitted a handwritten list from memory. Could not prove ownership of most items.
$38,000
Neighbor B: Had Documentation
Submitted professional report with 247 items, photos, and values in 60 seconds.
$81,000
Same fire. Same insurance. The only difference? 20 minutes of preparation.
Why Documentation Matters
Many
Homeowners struggle to prove ownership after a fire or major loss
Photo documentation helps substantiate claims
Less
Claim payouts can be reduced without proper documentation
Records help ensure appropriate settlements
Months
Claims can take longer to process without documentation
Organization speeds up the claims process
Expert Insurance Guides
How to Document Jewelry for Insurance
Step-by-step guide to photographing, appraising, and scheduling valuable pieces on your policy.
Read article →
Proof of Ownership for Insurance Claims
What insurance companies accept as proof, and how to document your possessions before filing a claim.
Read article →
Stop Losing Money on Insurance Claims
Common mistakes that reduce claim payouts and how proper documentation protects your coverage.
Read article →
Frequently Asked Questions
Sources & References
Home Insurance Claims Documentation:
Insurance companies typically require proof of ownership and value when processing claims. Documentation such as photos, receipts, and detailed inventories can substantiate claim amounts and speed up processing.
Insurance Information Institute - Home Inventory GuideProperty Insurance Best Practices:
Regular documentation updates and maintaining detailed records of high-value items can help ensure adequate coverage and smoother claim processes. Many insurers recommend annual inventory updates.
National Fire Protection Association - Safety ResourcesAll claims and outcomes depend on individual policy terms, coverage limits, and insurer requirements. Consult your insurance agent for specific coverage information.
Important Disclaimers: BigToa provides tools to document belongings and generate informational value estimates. Coverage, eligibility, pricing, discounts, and claim outcomes are determined by your insurer. Estimates are not appraisals and do not guarantee coverage amounts or claim results. BigToa does not sell insurance.
Nothing on this page is legal, tax, or insurance advice. Feature availability may vary. BigToa has no control over insurance policy terms, claim decisions, or coverage amounts.