Before Your Claim is a free resource for homeowners who want to be ready for a property loss before one happens. It offers plain-language guides and a home-documentation app built around one simple habit: photograph your home, room by room, and keep a copy somewhere safe.You do not need an account, a subscription or a professional to use it.
Why prepare before a loss
After a fire, storm, water damage or theft, people are often asked to describe what they owned and what condition it was in. Doing that from memory, at the worst possible time, is hard. A record made while everything is still in place can help.
- Photographs show what was there. A few wide pictures of each room capture far more than a list written later.
- Notes fill in what photos cannot. A short description of notable belongings, with a brand or model where you know it, can save hours of searching later.
- A copy kept away from home survives. A record is only useful if a loss cannot take the only copy.
None of this needs to be finished in one afternoon. One room is a good start.
Where would you like to begin?
Start: document your home
Learn the four steps: choose a room, take photos, describe notable belongings, and save a backup.
After a Loss: if something has already happened
Practical first steps after property damage, with no app or paid service required.
Help With a Claim: when outside help may make sense
When professional assistance may be useful, and how to check a license before you hire anyone.
Guides for homeowners
Short, practical articles on photographing your home, documenting storage areas, keeping backups, reading your declarations page, and what to do after a fire.
Free, and your records stay yours
The guides are available now. The Before Your Claim app is still being tested and is not yet open to the public.