Free Guide
The Claim ReadinessGuide.
Applies to homeowners · auto · renters policies
"After a major loss, you typically have 60 days to submit a sworn proof of loss — a detailed inventory of everything you lost with values. Most people have no inventory. No photos. No receipts."
Without documentation, claims get reduced or denied.
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This guide is general. Your policy is specific.
The guide tells you what to look for. The CLEAR Report tells you what you actually have — in your policy, with your limits, under your specific conditions.
Build Your Home Inventory
An inventory is the record of what you owned and what it was worth. Without one, that record has to be reconstructed from memory after a loss.
Walk every room and photograph everything
Open every drawer, every cabinet, every closet. Property that is not documented has to be recalled and described from memory later.
Record serial numbers on electronics and appliances
Serial numbers prove ownership and establish model-specific replacement cost. Without them, carriers default to the cheapest comparable model.
Document high-value items separately
Jewelry, art, collectibles, instruments, firearms, and watches should each have their own photo, description, approximate value, and purchase date.
Store your inventory off-site
A home fire destroys on-site documentation. Use cloud storage, email it to yourself, or store a copy in a safe deposit box.
Update it annually
Every new purchase worth more than a few hundred dollars should be added. Your inventory from five years ago does not reflect what you own today.
The guide tells you what to look for.
The CLEAR Report tells you what you actually have — your specific policy, your specific limits, your specific conditions.
Free 3-finding scan · or full CLEAR Report $19.99