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Claims guide

Prepare your claim before disaster strikes

Adjusters need proof. A complete pre-loss record speeds settlement, reduces disputes, and gets you what your policy promises.

Claims preparation guide

Free claims preparation checklist

Print or save — 6 essential steps every homeowner should complete before storm season.

Download checklist

Don't have your inventory ready?

This checklist tells you what to do — Cadastre Home does it automatically. Walk through your home on video; AI builds your room-by-room inventory for you.

Start free — 50 items, no credit card

Essential checklist

Tools that help: a phone tripod or gimbal for steady walkthroughs, or a 360° camera for faster room coverage on Pro Vault. See our Capture Guide.

  • 1. Document every room including closets, garage, and attic.
  • 2. Capture serial numbers on appliances, electronics, and HVAC equipment.
  • 3. Scan or photograph receipts for items over $100.
  • 4. Video-walkthrough your home annually — AI builds your inventory.
  • 5. Export and store a backup report off-site.
  • 6. Share a read-only summary with your insurance agent pre-loss.
  • 7. If your claim is disputed or underpaid — connect with a local disaster attorney.

Room-by-room tips

Kitchen & laundry

Open cabinets and drawers. Photograph inner spec plates on appliances.

Living areas

Include furniture, art, rugs, and built-ins. Note custom millwork.

Bedrooms & closets

Document clothing collections, jewelry boxes, and safe contents.

Exterior & structures

Roof, siding, fencing, sheds, and outdoor equipment.

Regional claim prep guides

Peril-specific checklists for high-risk states — room tips, export formats, and adjuster handoff.

Export formats adjusters expect

  • Basic PDF — Free Starter tier
  • PDF + CSV — Basic tier
  • Forensic PDF + Excel + adjuster contents CSV — Pro & Concierge
  • Schedule of Loss with retailer links — Pro & Concierge

Adjuster exports are structured spreadsheets for handoff. Your adjuster may import or re-key line items into their estimating workflow — steps vary by carrier and software.

Before you file — and after you're denied

Cadastre Home connects you with vetted local professionals — an agent to protect you before disaster, and an attorney to fight for you after.

Pre-loss

Find a local insurance agent

Review your coverage before disaster season — with an agent who knows what you own.

Find an agent

Free to browse · No account required

Post-loss

Find a local insurance attorney

If your claim is disputed or underpaid, connect with an attorney who specializes in your disaster type.

Find an attorney

Free to browse · No account required

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See what adjusters get

Cadastre Home exports structured documentation — not a folder of random photos. Every forensic report includes a verification hash you can validate on our public verify page.

Without documentation

  • Memory-based item lists after a loss
  • No timestamps or proof of pre-loss condition
  • Adjusters re-key everything from photos
  • Disputes over missing serial numbers and receipts

With Cadastre Home export

  • Room-by-room inventory with capture dates
  • Tamper-verified SHA-256 report hashes
  • Forensic PDF, Excel, and adjuster CSV exports
  • Schedule of Loss with replacement cost links

Reports include a public verification URL. Learn how tamper verification works →

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Start your claims-ready inventory

Free Starter includes 50 items and basic PDF export — no credit card required.

Cancel anytime · No credit card for Free Starter