for wildfire, flood & storm zones
The one document you can't make after the fire.
If you live where wildfire, flood, or hurricanes are a real risk, a total-loss claim means listing everything you owned from memory, on a deadline. Recording a walkthrough now — stored somewhere the disaster can't reach — turns that impossible task into a file you already have.
A total loss is a blank-page claim
After a wildfire, flood, or hurricane, a contents claim asks you to itemize everything you owned — from memory, often within a filing window, while you're also finding somewhere to live. People routinely under-claim by thousands simply because no one can recall the full contents of a house. A walkthrough recorded beforehand is that list, already written.
The evidence has to outlive the house
A shoebox of receipts burns with the house; photos on a phone left inside are gone too. Every scan is stored off your property, so the proof survives the exact event it exists for. Timestamped photo evidence of each item is what an adjuster needs when the item itself no longer exists to inspect.
Know your gap before the season, not after
The coverage check compares your real scanned total against your policy limit — so you find out whether you're underinsured before a fire or flood, when you can still raise a limit or add coverage, rather than discovering the shortfall in the middle of a claim.
Worth being direct about scope: flood is generally a separate policy from standard homeowners coverage, and each disaster claim has its own deadlines and rules set by your insurer or program. This documents what you owned and flags coverage gaps — it isn't a policy and doesn't decide what yours covers.