Know What You OwnBefore Hurricane Season.
Florida gets hit every year. Contents documentation is typically part of the hurricane claims process. Preloss creates a video-based inventory before the storm ever forms.
The Problem
Most Florida homeowners are flying blind.
Hurricane Milton (2024): Hurricane Milton made landfall near Siesta Key as a Category 3, causing catastrophic flooding and wind damage across the I-4 corridor.
When a hurricane destroys your home, insurers want proof. Without documentation, you're left reconstructing your entire life from memory, and insurers dispute every item they can.
Annual
Florida sees named storms every hurricane season
Separate
hurricane deductible, commonly a percentage of the dwelling limit rather than a flat amount
50–70%
of the dwelling limit is what most policies provide for belongings, which may or may not be enough
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
Florida's hurricane season never really ends.
Milton, Ian, Irma: Florida gets hit harder and more often than almost any other state. Creating a video-based record before the cone forms is one way to be prepared.
Separate
hurricane deductible, commonly a percentage of the dwelling limit rather than a flat amount
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.
Florida
Common questions from Florida homeowners
- Does Florida homeowners insurance cover hurricane damage?
- Wind damage from a hurricane is generally covered under a Florida homeowners policy, but it is usually subject to a separate hurricane deductible calculated as a percentage of the dwelling coverage limit rather than a flat dollar amount. Storm surge and rising water are treated as flood, which homeowners policies exclude and which requires separate flood coverage.
- Why is my Florida hurricane deductible a percentage instead of a dollar amount?
- Florida policies commonly apply a percentage-based hurricane deductible (often expressed as a percentage of Coverage A, the dwelling limit), which applies when a named storm triggers it. Because it scales with the insured value of the home, the out-of-pocket amount is typically far larger than the standard all-perils deductible. The specific percentage and trigger are stated on the declarations page.
- What documentation do Florida insurers typically ask for after a storm?
- Contents claims generally involve describing what was lost, its approximate age and value, and supporting evidence such as photographs, video, or receipts. Preloss produces a timestamped, video-derived inventory in advance, so that record exists before a storm rather than being reconstructed from memory afterward.
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 Florida department of insurance.
Guides for documenting what you own
All guidesHurricane Deductibles: What a Percentage Deductible Actually Costs
A hurricane deductible is a percentage of your dwelling limit, not a flat fee. How it is calculated, what triggers it, and a state table in dollars.
Water Damage vs. Flood Damage: Why the Distinction Decides Coverage
What insurers consider flood damage versus covered water damage, why homeowners policies exclude flood, and gray areas like sewer backup and seepage.
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.
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