Most claim delays come down to one simple issue: proof isn’t ready when it’s needed.
Nearly 50% of homeowners have no personal property records at all, and most of the rest rely on a mix of paper files or scattered photos. These methods capture pieces — but not a complete record of what they own. Not from neglect, but because documentation isn’t part of everyday life.
Here are the five most common claim mistakes:
1. Not documenting personal property before something happens
Half of homeowners have no records, and the rest often use paper or scattered photos — which don’t create a complete inventory.
2. Memories and receipts fade over time
During a loss, memory becomes unreliable. Receipts get misplaced, emails get archived, and small but meaningful items are easily forgotten.
3. Family photos only show property in the background
Everyday photos rarely capture what insurers need: brand, model, condition, or close-up clarity.
4. Waiting until after a loss to start documenting
Once something happens, you’re forced to reconstruct what you owned during the hardest moment — adding delays to your claim being processed.
5. Assuming preparation takes too long
Traditional inventories were tedious. Proofly changes that.
How Proofly Helps
With ClearProof™, you walk room by room while Proofly captures your belongings, organizes them automatically, and lets you verify values when you’re ready. If something happens, your FNOL and Proofly One™ Report are ready to send instantly.
Get Early Access and build your proof in minutes.