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How?
A worksheet, not an official form; use your regulator's / carrier's / insurer's own form where one is required.
Fill in
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
home inventory template for insurance
Keep a dated view of the home before damage.
Home inventory template for insurance — Keep a dated view of the home before damage. Keep the original condition photos and notes alongside your insurance records.
Your photos and files stay on your device, so keep them.
Your free home condition worksheet.
A worksheet, not an official form; use your regulator's / carrier's / insurer's own form where one is required.
- Photo references
- Condition notes
Check your regulator's own form. The printable version lists the source behind every field. CSV versions have an instruction row above the headings.
Then date your filled-in copy.
Keep the completed copy and its source records. A time receipt dates those exact bytes; it does not establish that an entry is true or accepted. Save a new copy after each condition set.
Your record, one step at a time.
Your photos and files stay on your device, so keep them.
Local preview: files are fingerprinted here. Notes and progress stay in this browser. Keep downloaded copies; browser storage is not a backup.
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How?
Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.
Add link and screenshots
The link is recorded, not fetched or verified.
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How?
Write what you remember in your own words. The saved time uses your device’s clock.
How to keep notes that hold upWrite it down
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
How to keep notes that hold up
Write notes as soon as you can. Keep the original account rather than replacing it later; the venue decides what weight it gets.
- Write it down straight away, on paper or in the box on a step.
- Put the date, time and place at the top, and who you spoke to.
- Use their words where you can; separate what you saw from what you were told.
- Sign or initial a paper note, photograph it and add the photo.
- Never edit an old note. Add a new dated entry when something changes. A device save time is not independent time evidence or proof of event order.
Condition before a policy starts
Condition before a policy starts
01 · Keep the exact files
Keep the original condition photos and notes alongside your insurance records.
Records to keep: Photos · Notes
Condition before a policy starts
02 · Date the file’s code
Your device fingerprints the selected file or manifest. Dated follows an independent timestamp; Permanent follows Bitcoin anchoring.
An independent time, tied to the exact bytes.
Condition before a policy starts
03 · Keep the evidence
Save later damage photos separately and follow the insurer’s own evidence process.
Keep the originals too. A changed or compressed copy has a different fingerprint.
Try a file. It stays here.
Make a test receipt on this device.
By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.
or drop a file here
Real cases: why the original photos matter.
Real cases where dated records mattered. We don’t claim a time receipt would have changed the result.
UK · 2025
Old street photos can defeat new damage claims
An owner blamed a lorry for a cracked wall. Older street photos showed the same crack before cover began. The reviewer rejected both claims and agreed the cover could be treated as never having started.
Summarized on Oct 29, 2026
Read the decision ›UK · 2025
Show that old roof damage was repaired
An owner blamed a storm for roof damage. Earlier online images showed a tarp, and there were no bills proving repairs. The reviewer found it fair for the insurer to refuse the claim as wear and tear.
Summarized on Oct 29, 2026
Read the decision ›UK · 2026
Earlier sale photos can show older cracks
An owner disputed when wall cracks began. Old sale photos showed plants in the cracks, and no report of equal weight challenged the insurer's expert. The reviewer found the refusal fair.
Ombudsman decision; it upheld the reasonableness of the insurer's decision on the available evidence.
Summarized on Oct 29, 2026
Read the decision ›UK · 2024
Old floor photos can challenge sudden leak claims
Owners blamed a sudden leak for floor stains and warping. Photos showed damage years earlier, and they gave no expert proof against that account. The reviewer found it fair to refuse cover for old, gradual damage.
Summarized on Oct 29, 2026
Read the decision ›US · 2026
Conflicting roof images may need closer review
An insurer said old sky photos showed roof damage before a storm. The owner offered a newer photo said to show no missing shingles and called the old image unclear. A news report said the complaint was still pending.
A secondary press report describes a pending regulator complaint, with no final decision reported.
Summarized on Oct 29, 2026
Read the report ›What courts, schemes and regulators say.
Positions below refer to the cited rule or record type, not endorsement of Timevolt. This service is not represented as an eIDAS qualified timestamp provider. A non-qualified timestamp does not receive the qualified timestamp presumption.
Financial Conduct Authority, insurance claims handling (ICOBS 8.1)
ICOBS 8.1.1R: handle claims promptly and fairly, and do not unreasonably reject a claim.
The rule sets a fairness standard and says nothing about time-stamping or digital records; evidence is weighed case by case.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceFinancial Ombudsman Service, buildings claims
Decisions weigh photos, surveyor reports and online images; the policyholder must show the loss falls under an insured peril, and professional opinion outweighs lay opinion.
Dated photos and images were considered as evidence in all four decisions; none addressed cryptographic time receipts, so acceptance of one is unknown.
Source summary as of 2026-10-28. Check the current source and applicable local rules.
Read the sourceOther ways to do this
Prices change. Check each provider’s site for current prices and service details.
Related workflows.
Proves / Doesn’t prove
Proves
A completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents.
Doesn’t prove
It does not prove who took the photos, where or when the scene was actually photographed, that the photos show the true condition, or that damage came from a particular storm or leak; the insurer or ombudsman still weighs the evidence.
This cannot establish the scene’s date, a cause of damage, ownership or insurance coverage.
These are the bounds of a completed proof. The local tester does not establish any time. The chosen court, scheme or regulator decides what to accept.
Questions, answered plainly.
Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking. Privacy Policy.
Who has to prove damage was not there before the policy?
In the UK ombudsman decisions reviewed, the policyholder has to show the loss falls under an insured peril, and insurers can use older images to argue wear or earlier damage. Dated photos from policy start give you something to point to.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerCan an insurer use street view or satellite images against me?
Yes. Street-view, aerial and property-sale photos were used by insurers in the decisions and a Connecticut case. Your own dated photos are how you answer them.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerWhat should I photograph when a policy starts?
Each room, ceilings, walls, floors, under sinks, the roof from the ground, gutters, outbuildings and boundary walls, plus close-ups of any existing cracks, stains or repairs. Insurer checklists also suggest date-stamping and keeping copies off site.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerDoes a time receipt prove my photos show the real condition?
A completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerAre my photos uploaded?
Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerWhat if there is already damage when I start?
Photograph it clearly and tell the insurer. A dated record of existing damage helps separate it from new damage later, and a Connecticut regulator's guidance asks insurers to flag known damage to the owner.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerDo I need proof that earlier repairs were done?
Yes, keep invoices and dated before and after photos of repairs. One ombudsman decision noted the insurer had received no documents showing earlier repairs were done.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerWill an insurer or court accept a time receipt?
That is up to them. The rules reviewed require fair handling of evidence and are silent on time receipts, so treat it as supporting evidence next to the photos and any inspection report.
Source summary as of October 30, 2026. Check the current source and its scope.
Context for this answerThe file tester runs on your device. It does not issue a timestamp or take a payment.
Keep the records you already have.
Keep your original files and any existing official records while the receipt service is being prepared.