Preloss

By state

Home inventory guidance, state by state.

The disasters that drive contents claims differ by region, and so do the statutes and the way policies are written. These pages cover 19 states: the risk that defines each one, what the law says, and what documentation is typically involved.

Wildfire states

Fast-moving fire leaves little time to gather anything, and contents claims in these states routinely involve total losses where nothing survives to photograph.

Hurricane and tropical storm states

Wind and flood are handled by separate policies, and percentage-based deductibles mean the out-of-pocket figure is often far larger than homeowners expect.

Tornado and severe storm states

Warning times are measured in minutes, and hail and wind claims frequently turn on establishing the condition of a property beforehand.

Flood-prone states

Rising water is excluded from homeowners policies everywhere, which makes the boundary between wind damage and flood damage the central question in many claims.

Winter storm states

Frozen and burst pipes produce sudden interior water damage, often across whole neighbourhoods at once when a cold snap is severe.

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