WHIG vs ChatGPT

The right tool, pointed at the wrong job

A capable AI can look at a photo of a room and tell you there is a three-seat sofa, a large television, a coffee table and a rug. It can guess at brands where they are visible and estimate replacement costs. That is genuinely impressive, and pretending otherwise would be silly when anyone can check it in a minute.

The trouble is that a general assistant does not know what a contents inventory is for. It will not ask you for the serial number on the laptop, because it does not know an assessor will want one. It will not treat a four thousand dollar ring differently from a toaster, or tell you that one of them should be seen by a valuer. It will not notice the rooms you forgot. It has no view on what makes a record hold up, because holding up is not what it was built for.

It is also more work than people assume. You photograph every room, upload the images, prompt it space by space, keep it from inventing things, chase the items it skipped, and assemble the output into something coherent yourself.

WHIG asks you to talk through your home once, out loud, the way you would show it to a friend. It extracts the items, brands and values from what you said and what it saw, organises them by room, keeps a photo of each item from your own footage, and flags what needs strengthening. That is the free tier, so the free comparison already runs the other way.

What happens when you try to claim on it

An insurer assessing a contents claim is not asking whether your list is neat, or whether your values look reasonable. They are asking two much harder questions. Did this record exist before the loss? And has it been changed since?

A document you generated yourself cannot answer either question. Not because it is dishonest, but because you are the person who benefits from it. Its creation date is whatever your computer says it is. Its contents can be edited freely, before or after the event. The claimant is an interested party, and self-attestation is exactly what the process is designed to test. This is not a limitation of the AI. It is a limitation of anything you produce for yourself, and no amount of model improvement will fix it.

It is worth being precise about the failure mode. The problem is not that an adjuster will accuse you of fraud. It is that an unverifiable list carries very little weight, so the payout drifts back toward what the adjuster is willing to assume, which is almost always less than what you actually lost.

What WHIG changes, and what it does not

To be straight about it: a WHIG record is also one you made yourself. WHIG does not independently date or verify it today, and the date on it comes from your phone's clock. On those two questions it is in the same position as any list you produce.

What WHIG changes is the record itself. It is a complete inventory made from one walkthrough while everything is still there, with a photo and an estimated value for each item, rather than whatever you remembered to photograph and prompt. Later edits are kept separate from the original record.

Independent dating is in development. A fingerprint timestamp would sign the time WHIG received a cryptographic fingerprint of your record, which would show a matching record existed by then. It would not show when the video was filmed.

Where your belongings end up

There is also a quieter difference worth knowing. To have an AI assistant describe your home, you upload photos of your home to a company's servers, where they may be retained and, depending on your settings, used to improve the product. That is a reasonable trade for many tasks. It is a different trade when the subject is a complete visual record of everything valuable you own and where in your house it sits.

WHIG keeps your walkthrough video, audio and photos on your iPhone, and the phone writes down what you say. Only that text transcript goes to the cloud, where powerful AI turns it into a detailed, priced inventory in minutes, and WHIG does not store the transcript or returned inventory. The finished inventory is encrypted on the phone with a key WHIG never receives. Your video never leaves your phone, and you choose whether to keep a copy. You choose where your Evidence Package is saved and shared. Basic account and service data are kept separately, and the security page explains exactly what leaves your phone.