Personal property
Furniture, electronics, clothing and everything else you own, documented item by item and claimed at what it costs to replace.
What We Do
Contents Inventory and Documentation
We go room by room and document every damaged or lost item, with photos, descriptions, ages and replacement costs, so nothing gets left off the claim.
Claim Management
We handle the back and forth with your insurer, including inventory reviews, depreciation and disputes over what can be cleaned, repaired or has to be replaced.
Packout and Cleaning Coordination
When belongings can be saved, we work with specialists on packout, cleaning, repair and storage, and make sure those costs are included in the claim.
Why Choose Us?
Contents Claim Experience
Our public adjusters handle contents claims after fires, smoke, water losses and break-ins, and know where insurers tend to undervalue belongings.
Patient, Personal Service
Listing everything you own is exhausting. We do the heavy lifting and walk you through each step.
Fair Replacement Value
We push for what it actually costs to replace your belongings, not a number that ignores today's prices or takes more depreciation than it should.
Frequently Asked Questions
Is personal property covered by my homeowners or renters policy?
Usually, yes. Furniture, clothing, electronics and other belongings are typically covered when a covered loss like fire, smoke, water or theft damages them. Limits, deductibles and special caps on items like jewelry, art and cash vary, so the details of your policy matter.
What's the difference between replacement cost and actual cash value?
Replacement cost pays what it costs to buy a new item today. Actual cash value subtracts depreciation for age and wear. Many policies pay actual cash value first and release the rest after you replace the item, so it pays to know which one you have.
Do I need to make a list of everything I lost?
Most insurers want an inventory. We help you build one using photos, receipts, bank statements and a room-by-room walkthrough, so you do not have to rely on memory.
What if my belongings can be cleaned instead of replaced?
Insurers often push for cleaning because it costs less. We make sure the cleaning is done properly, and that items that cannot be restored, like heavily smoke-damaged soft goods or electronics, are still paid for.
Will my insurer pay for packout and storage?
Often, yes, when your belongings have to be moved out while the home is repaired. Packout, storage and packback are commonly part of the claim, and we make sure they are included.
Can a public adjuster help with a contents claim?
Yes. We build the inventory, deal with depreciation and valuation disputes, and negotiate with your insurer so your belongings are paid for fairly.
What if my insurance claim is denied or underpaid?
If your claim is denied or underpaid, we can review the decision, provide more evidence and negotiate with the insurer to get you a fair settlement.
Get a second look before you sign.
A free review shows you what the insurer left out, what your policy covers and whether your claim is worth pursuing further.