Personal Property & Contents Claims
Your belongings are worth more than a quick estimate.
Contents claims are tedious — insurers expect a room-by-room inventory with values, ages and proof, then apply depreciation that slashes your payout. Most people simply give up and accept a fraction of what they're owed.
We build a complete, defensible contents inventory, apply the right replacement-cost provisions, and recover the withheld depreciation you're entitled to claim back.
Contents help we provide
- Full room-by-room inventories
- Replacement-cost vs. ACV recovery
- Depreciation hold-back recovery
- High-value & specialty items
- Business equipment & inventory
- Proof-of-loss preparation
Why work with a public adjuster
Insurance companies staff their claims with experienced adjusters, engineers and attorneys — all working to limit what they pay. A public adjuster is the only licensed professional who represents you instead. We interpret your policy, document the full scope of loss, and negotiate on your behalf so nothing is left on the table.
Our process
Free inspection & policy review
We assess the damage and review your coverage at no cost or obligation.
Detailed documentation
We build a defensible, line-item estimate capturing every element of your loss.
Negotiation & appraisal
We handle all insurer communication and push for a fair, complete settlement.
Recovery
You collect what you're owed — and we're paid only from that recovery.
Frequently asked questions
How do I document everything I lost?
Room by room, systematically: photos and video of what remains, receipts, bank and card statements, product registrations and photos from before the loss. We build the inventory with you and apply defensible values, so the burden of proof doesn't sink the claim.
What is recoverable depreciation on contents?
On replacement-cost policies, the insurer first pays actual cash value — replacement cost minus depreciation — and holds the difference back. Once you actually replace the items and submit proof, that withheld depreciation is owed to you. Enormous amounts go unclaimed every year.
What does it cost?
Nothing up front. We work on a contingency basis — we don't get paid unless you do. Your free evaluation carries no cost or obligation.
My claim was already denied or underpaid. Can you still help?
Yes. A large share of the claims we take on were previously denied or underpaid. We frequently reopen and re-document these claims to recover what was owed.