Contents Loss and Damage Documenting.
Getting Your Contents Claim Right

Did you know your insurance company will pay us to list and clean your contents for you?

Most people short change themselves on their contents claim.  All too often we hear comments to the effect that a person couldn’t be bothered claiming an item because it only cost a few dollars or it’s something they no longer use.  Yet in even a moderate contents claim those items will quickly add up to $100’s if not $1000’s of dollars.

We are experts in compiling contents lists for insurance claims.  We document and photograph all items, we sort between salvageable and non salvageable items and we provide both a detailed and summary report for your insurer.

If required, we can also source replacement pricing on a “like for like” basis.

When compiling a contents list for your insurer, you should provide as much detail as possible.  To help your insurer in determining value you will need;

• Photographs
• An Overall photograph of the item
• Serial Number
• Model Number
• Photograph of the damage (water markings, water on electrical items, swelling of furniture)
• A description of the item.  Be specific and include detail.  Eg.  It’s not just a toaster it’s a Brand x Stainless Toaster, 4 slices, with digital controls and blue back lit display.
• A description of the damage.  Explain the circumstance.  Eg.  damaged by water entering the toaster after storm water flooded the kitchen
• Model Number
• Serial Number
• Receipt if you have one.
• Suggested value either from searches online or similar products in store.  If you cant find an item, if possible suggest a value.

Your insurer likely has a substantial database of common items, along with the minimum price they would need to pay to replace the item.  So unless you are prepared to accept the absolute minimum value on an item, take the time to do some research.

If you have to estimate a value, keep in mind that it needs to be realistic.  Over exaggerating values  might bring the wrong kind of attention to your claim.

Why you should use a professional