Know What You OwnBefore the Next Wildfire.
Colorado loses hundreds of homes every fire season. Documentation is often part of the claims process, and it's much harder to create one after a loss. Preloss generates a timestamped video-based inventory: a record you have on hand, in advance.
The Problem
Most Colorado homeowners are flying blind.
Marshall Fire (2021): The Marshall Fire destroyed 1,084 homes in Boulder County in a single afternoon, the most destructive wildfire in Colorado history.
When a wildfire destroys your home, insurers want proof. Without documentation, you're left reconstructing your entire life from memory, and insurers dispute every item they can.
1,000+
homes destroyed in the Marshall Fire, Colorado's most destructive wildfire
74%
of Marshall Fire policyholders who filed claims were underinsured for the cost to rebuild their home
65%
of the contents limit payable without a written inventory after a declared disaster
Colorado Revised Statutes § 10-4-110.8: On a total loss of contents at an owner-occupied primary residence, the statute requires an insurer to offer at least 30% of the contents coverage limit without a written inventory, rising to at least 65% where the loss arises from a declared disaster. To receive the full contents limit, the policyholder submits a written inventory as the insurer requires.
Figures above link to their source. Statutory summaries describe the text of the law and are general information, not legal advice. For your own coverage or a specific claim, consult a licensed professional or your state department of insurance.
How It Works
How to document your home for insurance, from inventory to claim.
Preloss covers the full lifecycle: creating a record of what you own, organizing evidence when something happens, and exporting everything in one structured packet.
Before: Document What You Own
Create a complete video-based inventory before anything happens. Most homeowners can document their entire home in under an hour.
- Record a video walkthrough of each room: no tripod, no setup, just your phone
- AI identifies items, brands, and models from your video frames automatically
- Scan receipts and serial plates to attach purchase price and identity proof
- Run a coverage gap analysis: compare your inventory value to your policy limits
During: When Something Happens
If disaster strikes, your inventory becomes your claim documentation. Mark what was affected and attach evidence.
- Mark items as damaged, destroyed, or stolen in your existing inventory
- Attach damage photos as visual evidence for each affected item
- Your pre-loss timestamps are already Bitcoin-notarized, independently verifiable
After: Organize & Export
Export a structured claim packet. Everything organized, timestamped, and ready to share.
- Generate a claim PDF with loss summary, item-by-item details, and evidence photos
- Export a complete ZIP: inventory PDF, claim PDF, CSV, all photos, and verification proofs
Features
AI-powered home inventory app for insurance documentation.
From video walkthrough to claim-ready packet: everything you need to document your belongings, identify coverage gaps, and organize evidence in one app.
AI Video Walkthrough Inventory
Record each room with your phone. AI identifies furniture, electronics, appliances, and more from your video frames, no manual entry required.
Coverage Gap Analysis
Scan your insurance declaration page. See where your coverage limits compare to your inventory value, by category, including jewelry, electronics, and firearms.
Receipt & Serial Number Scanning
Photograph receipts and serial plates. OCR extracts purchase price, date, and serial number, attached to the corresponding item automatically.
High-Value Item Deep Scan
Record a short close-up video of expensive items. AI extracts make, model, serial number, condition, and a detailed value range.
Damage & Loss Documentation
When something happens, mark items as damaged, destroyed, or stolen. Attach damage photos directly to your inventory as visual evidence.
Bitcoin-Notarized Timestamps
Every walkthrough is cryptographically hashed and anchored in the Bitcoin blockchain: independently verifiable proof of when your evidence was created.
One-Tap Claim Packet Export
Export a single ZIP containing your inventory PDF, claim PDF, item CSV, all photos, checksums, and timestamp verification proofs.
Private by Default
Videos stay on your device. Only extracted frames are sent for analysis. Your data stays under your control.
Why Now
Colorado's wildfire seasons are becoming more destructive.
Colorado has seen record-breaking wildfire seasons in recent years. The Marshall Fire alone destroyed over 1,000 homes in hours. Under § 10-4-110.8, a total contents loss in a declared disaster draws at least 65% of the contents limit without a written inventory, with the full limit reached by submitting one. Creating a record in advance is one option families have for being prepared.
1,000+
homes destroyed in the Marshall Fire, Colorado's most destructive wildfire
Colorado Revised Statutes § 10-4-110.8: On a total loss of contents at an owner-occupied primary residence, the statute requires an insurer to offer at least 30% of the contents coverage limit without a written inventory, rising to at least 65% where the loss arises from a declared disaster. To receive the full contents limit, the policyholder submits a written inventory as the insurer requires.
Source: Colorado Revised Statutes § 10-4-110.8General information about the text of the law, not legal advice.
What Makes Preloss Different
Built for insurance documentation from day one.
Video-first, not spreadsheet-first
Walk through a room in 60 seconds. AI does the itemization: no typing, no manual entries.
Bitcoin-notarized proof of creation
Every walkthrough is cryptographically hashed and anchored in the Bitcoin blockchain, tamper-proof and independently verifiable.
Full lifecycle: inventory through claim
One app for documenting, analyzing coverage gaps, marking damage, and exporting a complete evidence packet.
Structured exports, not just a PDF
Export a ZIP with inventory PDF, claim PDF, item CSV for system import, all photos, and verification metadata.
Colorado
Common questions from Colorado homeowners
- What does Colorado Revised Statutes § 10-4-110.8 say about contents after a wildfire?
- The statute sets a floor on what an insurer must offer without a written inventory after a total contents loss at an owner-occupied primary residence: at least 30% of the contents limit, and at least 65% where the loss arises from a declared disaster. The full contents limit is reached by submitting a written inventory as the insurer requires. That is what the text says; how it applies to any particular policy or claim is a question for a licensed professional or the Colorado Division of Insurance.
- Why did so many Marshall Fire households find themselves underinsured?
- Contents limits are commonly set as a percentage of the dwelling limit when a policy is written, and rarely revisited afterward. A household keeps accumulating; the limit does not move with it. Because the number on the declarations page was never an estimate of what is actually in the house, the gap is invisible until a claim. Knowing the real total is what makes it visible beforehand.
- How fast do Colorado homeowners need to be able to evacuate?
- The Marshall Fire moved through Boulder County neighbourhoods in hours, and many households left with minutes of warning. That timeline is the practical argument for documenting contents in advance: an inventory that exists only as an intention is not available on the way out the door.
This is general information about how policies commonly work, not legal or insurance advice. Coverage varies by policy and carrier. For decisions about your own coverage or a specific claim, consult a licensed professional or the Colorado department of insurance.
Guides for documenting what you own
All guidesWildfire Smoke and Soot Damage Claims
How smoke and soot damage claims work after a wildfire, even if the fire never reached your home, why they are often disputed, and what to document.
What to Document Before Wildfire, Hurricane, or Flood Season
Disaster seasons arrive on a calendar. What to capture before each one, and how to store the record so it survives the event it documents.
How to Document Jewelry for Insurance
Standard home policies generally cap jewelry theft at about $1,500, per Triple-I. What to photograph, when to get an appraisal, and how to schedule pieces.
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