Contents List For Insurance Guide

A guide to home inventory list for insurance claims. Has your personal property been damaged by water, fire, mold, or smoke? We handle all contents inside any property type.

Has your property been damaged by water, fire, mold, or smoke? Do you need the contents of your property professionally inventoried, packed up, and stored in a safe and secure facility? We specialize in handling the items inside your home, business, or office during the restoration process. Home Inventory lists are essential to both you and your insurance adjuster!

Precision Environmental team of total loss inventory specialists will photograph all items; create a detailed list with as much information as possible, including physical description, size, brand, model, and location within your property. This list is categorized and alphabetized on an easy-to-read printout and provided to you and an insurance provider. Our process is in accordance with the Insurance Information Institute, and backed by the California Department of Insurance. This enables our customers to stay ahead in an emergency situation and allows the adjuster to see your actual losses in a detailed manner and quickly begin reimbursement for your personal property losses. Total loss inventory is also significant to you as Precision Environmental provides a valuable starting point; to know what will need to replace to get you back to pre-loss condition.

Once you and your insurance adjuster have approved your total loss list, we can remove all total loss items and dispose of them properly. This process is called debris removal. Our specialists can also take care of all the transportation and disposal of contaminated items or items posing a health hazard.

Relevant Nomenclatures:

House inventory list, home contents inventory list, personal property inventory list, contents list for insurance claim, insurance itemized list of household items, itemized list for insurance claim, property loss worksheet, itemized list for insurance claim, personal property inventory list, home inventory worksheet.

When is Contents List for Insurance needed?

When contents have become damaged/contaminated, the customer is making a claim through a third party (i.e., insurance carrier, property management co.) to seek compensation.

What Is a Contents List for Insurance Claims?

A content list for insurance claims, simply stated, is a household inventory list that documents all your valuable possessions. This list can be used if you need to file a insurance claim that has damaged or destroyed personal belongings. Also referred to as a household inventory list, it dictates the item’s name, a brief description, the date it was purchased, an estimated value with a receipt (if you have it). A proper contents inventory list will help you resolve disputes that may arise from things like the item’s actual value at the time of a claim. It also allows you to value all your items before you get insurance. This lets you know how much personal property coverage you need to add to your home insurance policy.

Whether you choose replacement cost coverage or actual cash value coverage, you will have a coverage limit and a deductible. A limit is the maximum amount your policy will pay toward a covered claim. A deductible is the amount you pay out of pocket before your insurer will help pay toward a covered claim. You may be able to choose your coverage limit based on the value of your belongings — for example, $60,000 of contents coverage. You may also be able to choose your deductible amount when you purchase coverage — $600 for example. This means if your belongings were destroyed in a fire, your insurer would pay up to $60,000 minus your $600 deductible.

Why Do I Need a Home Inventory?

Whether you’re a homeowner or a renter, everyone can benefit from a contents inventory list, especially after stressful events like water damage, fire damage, and mold damage. When you make a claim, you typically submit information on everything that was lost — which can be difficult to do off the top of your head for all your possessions. Remembering to replace your TV or computer are no-brainers, but when it comes to remembering each piece of treasured assets becomes daunting.

When you have your home inventory checklist, you know exactly what needs to be replaced, and you’ll have peace of mind knowing your entire household is protected.

Our Services Include:

Professional Total Loss Inventory of Contents

Pack Out and Moving Services

Secure Contents Storage

Fire and Smoke Damage

The hazards of fire in a residence or commercial structure are exponential and can range from health issues to environmental issues, contaminations to dangerous off-gases. The National Fire Protection Association (NFPA) has identified over 1200 toxic gasses associated with structure fires. When a fire starts in a property it begins to turn items in close proximity to fuel to continue it’s burn and increase it’s flame. Household items these days are made of various types of plastics, metals, proteins, and other materials that give off a variety of chemicals when burned. Once these chemicals are turned into smoke and ash, they can contaminate household items and start to cause discoloring, etching into glass, and irreparable damage. The items need to be handled and cleaned by professionals who understand fire and smoke residue and the correct processes to cleaning them. If the items are handled properly, within the correct timeframe, it will minimalize the damages and potentially save a lot of personal belongings.

Water Damage

IICRC Certified Water Damage Restoration company. We will moisture map your facility and home to identify water hazards and repair any type of water damage! If appropriate analyses, identification of salvageable items and documentation of non-salvageable items is not taken care of in a timely manner, there is a high likelihood that all contents types will be non-salvageable. Furthermore, if documentation isn’t properly performed for all of the affected items, there is a large likelihood that items will be forgotten and the insured will not be re-compensated for items not on the list. If the items are attempted to be handled personally, there is a serious risk of infection and bodily injury. We offer full pack out and restoration services for your personal property. We understand how important your personal belongings are and will treat them as if they were our own.

Mold Damage

Area needs to be cleared of any potential disturbance that may spread the airborne spores of the mold to other areas. A contamination of the area will be set up to ensure that the mold is not spread to other parts of the house, cross-contaminating them with the airborne spores. Then the mold is killed with an anti0microbial and removed utilizing a heap-vacuum to minimalize the chance of stray spores staying on the item. Once the mold is properly removed and the contents have been treated with anti-microbial, the contents are able to be removed from the property and brought to our cleaning facility for further cleaning and processing. The longer the mold grows on an item, the more is affects the items, eventually causing irreparable damage. As the mold grows, it grows in a 360 degree range, this means the mold grows across the contents, away from the contents, and into the material of the contents. The longer a mold has burrowed it’s way into a material, the less likely it is to full remediate the spores. Lean more about our Environmental Remediation Services!

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