The Homeowner’s Proof Problem

When something breaks, leaks, burns, or disappears, the hardest part often isn’t the repair — it’s proving what you owned, what it was worth, and what happened. That gap between reality and documentation is the Proof Problem.

Why claims get messy fast

Most people don’t keep a running inventory. Receipts are scattered. Serial numbers aren’t captured. Manuals and warranty terms are buried in email. Then a claim happens — and suddenly you’re trying to reconstruct your home from memory.

The minimum “claims-ready” kit

You don’t need perfection. You need enough proof to remove friction.

• • A photo of each major item (wide shot + label/serial close-up)
• • Purchase date + price (receipt, order confirmation, or card statement)
• • Warranty terms + provider contact (manufacturer or extended coverage)
• • Maintenance history (even a simple “last serviced” note)
• • Model + serial number (the thing everyone asks for)

The hidden trap: coverage misunderstandings

Proof isn’t the only reason claims derail. People also discover too late that the event isn’t covered. For example, a large share of homeowners incorrectly believe flood damage from heavy rain is covered under standard homeowners insurance.

What Dwelluno does about the Proof Problem

Dwelluno is designed to make “proof” the default: assets, documents, warranties, receipts, photos, and maintenance — all attached to the thing you own, so you’re not scrambling later.