Questions people ask before they start.

Nothing to start. The free plan finds your first 150 items for you from your email and photos, anything you type in yourself is unlimited, and there's no card to enter.

Indemnia Home is $249 a year, or $29 a month. It has no item limit, goes back through your whole email history, and adds loss reports and depreciation schedules. Compare the plans.

Nothing you've added goes away, and you can still download all of it. We stop adding new items from your email and photos until you move up to Indemnia Home, and then we carry on from where we stopped. You can still type things in yourself, as many as you like.

Most people think they have none and have more than they expect: years of order confirmations sitting in an inbox nobody has searched. That is the first thing Indemnia looks through, and it usually finds a few hundred things you had forgotten you bought.

For everything email never saw, you add it: photograph a room and we identify what is in it, scan a paper receipt, or type an item in. A record built from a mix of proof and honest recollection is normal. The point is that the parts you can prove are proven.

Photos prove you owned something. They do not prove when you bought it or what you paid, and those are the two numbers a claim is settled on: replacement cost, depreciation, and the actual cash value that falls out of them.

So photos are a good start and an incomplete one. Indemnia keeps them alongside the receipt that dates and prices the same item, which is the combination an adjuster can actually work from.

Gmail, Outlook and Yahoo. Most people have their order confirmations in one of those.

If yours are somewhere else, such as iCloud Mail, you can still add receipts by photographing or uploading them, and we read them the same way. How your email is handled.

Not in the app stores yet. Everything works in your phone's browser today, including photographing a room so we can list what's in it.

Connecting your email takes a couple of minutes. We start reading straight away, and most of what we find shows up the same day. How long depends on how many years of email you have.

Photographing a room is quicker: the items in it appear for you to check within a minute or so.

Yes, anywhere in the United States. Your insurer, your state and your type of policy don't change how it works.

You can start now. If your carrier has already sent a depreciation schedule, you can import it and work line by line: Indemnia shows what each line is worth, what was withheld as depreciation, and what buying a replacement would recover.

Starting mid-claim is harder than starting before one, because you are reconstructing rather than reviewing. It is also what most people are doing when they find us, and it is a case the product is built for rather than one it tolerates.

It can be wrong, which is why nothing it produces is filed on your behalf. Every item it reads out of a receipt or a photo arrives as a suggestion you confirm, and every figure on a report traces back to the document it came from.

The review step is not something we have failed to automate away. It is the reason the record holds up when someone else is checking it.

Your insurer decides what it accepts, so nobody can promise that for them. What we can tell you is what the report contains: every item with what it cost, when you bought it, how much it has depreciated and what it's worth used, with the receipt or photo behind each line.

That is the itemized list insurers ask for, laid out so an adjuster can check each figure rather than take it on trust. See a sample report.

No. Indemnia builds your list and the proof behind it. An adjuster works your claim with the insurer, and a public adjuster can use Indemnia to do that faster. If you have one, you can invite them to see your record.

Yes, if you invite them. Go to Settings, then Household, and choose what each person can do: see everything, or add and edit too. You can remove anyone at any time, and nobody sees your record unless you invite them.

We only read. With Gmail and Outlook the permission itself is read-only, so we can't send, delete or change anything in your mailbox. We store the full message only when it scores as a receipt, and even those stored copies are deleted after 90 days. The receipt data is what stays.

The long version is here, including each mail provider, how to disconnect and what happens when you do.

You export your record and keep it. Your full item list downloads any time, on any plan, with nothing else needed. Your receipts download one at a time, and the full bundle with your loss reports comes with the claim it belongs to. All of it in formats that outlive us, and none of it behind a paywall.

We are a small company in early access. We would rather answer this plainly than let you find out later that the answer was no.