How ClaimVault Works
ClaimVault is a private home inventory and insurance claim evidence vault. Six steps, all data on your device, no account and no server. Here is the workflow that makes an unfair denial hard to sustain.
Name, category, brand, model, serial, purchase details, photos and receipt photos. Compressed and stored locally in your browser.
Insurer, policy number, coverage limit, excess and dates. Upload your policy wording PDF and schedule — your defence against unfair denials.
Any symbol or code — $, €, R, ₹, KSh, R$. Saved automatically. Use one currency per vault for consistent reporting.
Choose a folder inside Dropbox, Google Drive, OneDrive, iCloud or Nextcloud. Or use JSON download/upload.
New Claim → enter details → select items → save. Then upload every letter, email and form your insurer sends to that claim.
If they deny, adjust or delay — you have receipts, photos, ACV math, policy wording and every letter. That is what a vault is for.
Backup strategy — read this
If you clear your browser data without a backup, your vault is gone. Always keep a recent backup in your cloud folder. Redundancy beats recovery.
Legal notices & disclaimers
1. Privacy. ClaimVault runs entirely in your browser. All items, photos, receipts, policy documents and claims are stored locally using IndexedDB and localStorage. No personal data is transmitted to any server.
2. Your cloud folder. Optional folder sync writes files only to a directory you explicitly select. Your cloud provider handles any upload. ClaimVault has no access to your cloud account.
3. Document storage. Photos and receipts are compressed in your browser. Policy documents and insurer correspondence are stored as-is so they remain legally legible.
4. Not advice. ClaimVault is a documentation tool — not insurance advice, not legal advice. Coverage terms and claim procedures vary by country, region and insurer. Consult your insurer and, where necessary, a licensed professional.
5. Depreciation estimates. ACV uses straight-line depreciation with category-specific useful lives. Real insurers may use different methods. ACV and "insure for" figures are estimates only.
6. Currency. You set the symbol yourself. ClaimVault does not convert exchange rates. Use one currency per vault.
7. Data loss. You are responsible for backups. Browser storage can be cleared by you, by browser updates, by privacy extensions or by OS actions.
8. As-is. ClaimVault is provided "as is" without warranty of any kind, express or implied.
9. Regional compliance. You are responsible for ensuring your use complies with local law.
10. Prohibited use. ClaimVault may not be used to fabricate, falsify or misrepresent ownership or loss for insurance fraud, a criminal offense in most jurisdictions.