Know What You OwnBefore the Next Flood or Tornado.
Missouri faces flooding, tornadoes, and severe storms every year. Preloss creates a video-based record of your belongings in advance.
The Problem
Most Missouri homeowners are flying blind.
Midwestern Floods (2019): The 2019 Midwestern floods caused an estimated $2.9 billion in damage along the Missouri River and its tributaries, affecting communities for months.
When a flood or storm 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
Missouri faces flooding and severe weather events every year
Excluded
river flooding under a standard homeowners policy; flood coverage is bought separately through the NFIP or a private carrier
47%
of homeowners said they prepared an inventory of their possessions
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
Missouri floods don't always make national news.
Missouri faces repeated flooding that rarely gets the same attention as hurricanes or wildfires. Damage to homeowners is still significant, and a standard homeowners policy does not cover it. Creating a record in advance is one way homeowners can be prepared.
Excluded
river flooding under a standard homeowners policy; flood coverage is bought separately through the NFIP or a private carrier
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.
Missouri
Common questions from Missouri homeowners
- Does Missouri homeowners insurance cover river flooding?
- No. Flood damage from rivers is excluded from homeowners policies and requires separate coverage through the NFIP or a private carrier. Missouri's river systems flood repeatedly, and properties outside mapped high-risk zones still flood: mapping describes probability, not immunity.
- What is the difference between flood damage and water damage in Missouri?
- Water entering from a burst pipe or a storm-damaged roof is generally a homeowners claim; water that rises from outside the structure is a flood claim. The distinction determines which policy responds, and establishing it after the fact is easier with dated evidence of the property's prior state.
- What should Missouri homeowners document in a flood-prone area?
- Contents including basement and lower-level storage, which is where flood losses concentrate and where documentation is thinnest. A video walkthrough captures those spaces in the same pass as the rest of the house.
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 Missouri department of insurance.
Guides for documenting what you own
All guidesWater 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.
Proof of Loss Form: What It Is and How to Fill One Out
A proof of loss is a sworn statement of what you lost and what it was worth. Where to get the form, what it asks for, how to fill it out, and the deadline.
Home Inventory List: What to Document in Every Room
A household inventory list for insurance, by room: what to record in each one, which items need serial numbers or appraisals, and what usually gets missed.
Get the free home inventory checklist.
A room-by-room checklist you can print and work through today, plus occasional product news and tips on documenting your home or business for insurance.
- The room-by-room inventory checklist, ready to print
- A seasonal reminder before your region's risk window
- Product updates and practical documentation tips
No spam. Unsubscribe anytime. Preloss is free on iOS & Android.