Our Services
Contents Inventory & Total Loss Inventory
Complete documentation and cataloging of every item in your property. Detailed inventories that support your insurance claim and protect your interests.
What Is a Contents Inventory?
A contents inventory is a detailed, item-by-item record of your belongings. We document what was damaged, what can be restored, and what is a total loss. This inventory becomes the foundation of your insurance claim.
A Total Loss Inventory (TLI) specifically catalogs items that cannot be salvaged. Each item is documented with a description, condition notes, pre-loss value estimate, and photographic evidence. The TLI gives your insurance adjuster clear data to process your claim accurately.
Accurate inventory work is the difference between a fair insurance settlement and a shortfall. Without detailed documentation, items get missed, values get underestimated, and claims get disputed. Our inventory process is thorough enough to withstand adjuster scrutiny.
When You Need This Service
Insurance Claims
A detailed inventory is the backbone of your insurance claim. Every item documented with photos, descriptions, and condition notes gives your adjuster the evidence needed to process your claim fairly.
Total Loss Documentation
Items beyond repair need a Total Loss Inventory. We record replacement values, original purchase details when available, and detailed condition reports for every non-salvageable item.
Dispute Prevention
When your inventory is thorough and well-documented, there is less room for claim disputes. Our documentation standards meet or exceed what insurance companies require.
Our Process
01
Room-by-Room Catalog
We work through your property systematically, documenting every item room by room. Nothing gets skipped or overlooked when we follow our structured process.
02
Photo Documentation
Each item is photographed showing its condition. Close-up shots capture specific damage. Pre-loss photos from the homeowner are referenced when available.
03
Condition & Value Assessment
Items are categorized as restorable, questionable, or total loss. Estimated pre-loss values are recorded based on item type, brand, age, and condition.
04
Report Delivery
You receive a complete inventory report organized by room with photos, descriptions, condition ratings, and value estimates. This report goes directly to your insurance adjuster.
What Is Included
- Room-by-room item cataloging
- Individual photo documentation
- Condition assessment for every item
- Total loss determination
- Pre-loss value estimation
- Insurance-ready formatted reports
- Digital and printed report delivery
- Adjuster coordination and submission
Frequently Asked Questions
Why is a professional inventory important?
Insurance claims live and die by documentation. A professional inventory ensures every damaged item is recorded with sufficient detail to support your claim. Homeowners who do their own inventories typically miss 20 to 40 percent of damaged items.
What is the difference between an inventory and a TLI?
A contents inventory documents all items, including those that can be restored. A Total Loss Inventory specifically catalogs items that are beyond repair and need to be replaced. Both are part of a complete claim package.
How do you determine if an item is a total loss?
We assess each item based on the type of damage, material composition, and cost of restoration versus replacement. If restoration would cost more than 60 to 70 percent of replacement value, the item is typically classified as a total loss.
Can I add items to the inventory later?
Yes. We can supplement the initial inventory if additional damaged items are discovered during restoration. It is common to find hidden damage in closets, cabinets, and storage areas as the project progresses.
Related Services
Need a Contents Inventory?
Thorough documentation that protects your insurance claim. Every item accounted for.