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High-limit policies only pay out on what you can document. Most policyholders can't produce an itemized record of what they owned the moment an adjuster calls. Sorted helps you build and maintain that record before a loss occurs — so when the question is asked, the answer already exists.

No. Sorted uses computer vision to identify and catalog items as you photograph each space. The platform generates item descriptions and valuation estimates automatically. What used to take weeks of spreadsheet work can now be approached room by room with a phone. You should review and verify everything the AI generates — it may misidentify or miss items — but the manual effort is substantially reduced.

Prioritize medium and high-value items first: electronics, jewelry, art, furniture, appliances, and clothing. Photograph every room, not just individual objects. Upload your declaration pages and any policy documents for your homeowners, auto, life, disability, and umbrella coverage. For items with independent appraisals, upload those too. The goal is a structured, timestamped record that reflects your current reality.

Valuation estimates are generated using computer vision and market reference data. They are estimates only — they may contain errors, may not reflect current market conditions, and are not certified appraisals. They are not guaranteed to be accepted by any insurer for any purpose. You are responsible for reviewing and verifying all estimates. For high-value items, we recommend uploading receipts or obtaining independent professional appraisal in addition to using Sorted.

Sorted organizes your uploaded policy documents alongside your asset inventory and may surface insights that are worth reviewing with your broker — such as areas where your documented assets may warrant a coverage conversation. This is not a formal policy analysis or coverage audit. Sorted is not an insurance broker, agent, or advisor, and cannot confirm whether you are adequately covered. Any coverage decisions should be made directly with your carrier or broker.

When a loss occurs, the quality of your documentation shapes how organized your claims process can be. Sorted's optional Claim Workspace brings your documented inventory, valuation estimates, and policy documents into one structured view, giving you an organized starting point for assembling your claim submission. Sorted is a documentation-organization tool only - whether a claim is paid, delayed, or denied is determined solely by your carrier.

Actual Cash Value (ACV) covers an item's current depreciated value — what it's worth today, accounting for age and wear. Replacement Cost Value (RCV) covers the cost to buy a new equivalent item today, regardless of depreciation. Most modern homeowners policies are RCV-based, but to claim the full RCV amount, you typically must document that you owned the item. Sorted helps you capture that documentation before a loss occurs. Review your specific policy with your carrier to understand which basis applies to your coverage.

Recalling every item lost in a disaster from memory alone is nearly impossible under the stress of displacement. A pre-existing digital inventory creates a timestamped baseline that can support a more organized and complete claims submission. Without prior documentation, policyholders often have difficulty substantiating the full value of their losses, regardless of what their policy covers. The documentation gap — not the policy itself — is often where recovery is lost.

Sorted is designed to hold documentation for your full insurance portfolio: homeowners, auto, life, disability, and umbrella policies. Upload declaration pages and policy documents for each. The vault gives you a single place to access your full coverage picture, which can be useful for annual policy reviews with your broker or in the event of a claim.

No. Your Sorted vault is private by default. Sorted does not share your itemized inventory, photos, or individual valuations with any insurance company. If you are a Commercial plan member, your broker may be granted access to high-level portfolio summaries and declaration pages only — never item-level photos or individual valuations. You control what is shared and when.

All vault data is encrypted at rest using AES-256. Data is transmitted over encrypted connections. Sorted does not use your vault data to train AI models without your explicit opt-in. We maintain a zero data monetization policy — your private estate data is not sold or shared with advertisers or data brokers.

If you delete your account, your data is retained for 90 days before permanent deletion. This window exists to allow for recovery in the event of accidental deletion. After 90 days, your data is permanently removed from Sorted's systems. You can request early deletion by contacting us directly.

The Starter plan gives you access to one property with a limited number of spaces and photos per space. It includes AI-assisted asset cataloging and valuation estimates, as well as document upload for policy storage. It is a full-featured introduction to the platform with no credit card required.

Professional adjusters recommend a full property walk-through at least once a year, and after any major purchase, renovation, or life event. Sorted makes re-photographing a space fast — you can update individual rooms without redoing your entire inventory. An accurate, current record is substantially more useful than an outdated one. For further guidance on navigating insurance claims and documentation, United Policyholders (uphelp.org) is an independent nonprofit resource worth bookmarking.