Our approach is tailored to the individual circumstance of each loss. We formulate and execute a plan of action that best addresses the claim situation. We work closely with both the adjuster and policyholder to make certain our reporting will address all of the available coverages involved in the claim, including collection scheduled and blanket coverages, in order to provide the answers necessary to successfully settle the claim.
Before setting out to the loss, we triage the situation to make certain team members sent on site have the necessary skill sets to address the categories of high value items that will be encountered at the loss.
Led by experienced project managers, we collaborate with mitigation contractors on large losses to ensure that unaffected or cleanable contents are identified, packed out, and stored properly.
Contents Consulting manages the process of conducting a physical inventory of all non-restorable items that can be identified following a loss. When areas of the property have been destroyed beyond recognition, the inventory is completed through a “reconstruction” process, which may include interviews and a review of purchase documents, design records, appraisals, risk management reports, images, and videos. A detailed item inventory is then constructed with images appearing on the line level for ease in review.
Our database is further perfected through a collaborative process with the insured until all parties believe the inventory is complete and accurate. We believe it is essential that the staff communicating with the insured regarding their prized possessions have the subject matter expertise to properly discuss the nuances of their belongings or credibility will be quickly lost and faith in the process and valuation undermined.
Contents Consulting has not followed the herd mentality in our industry and devised a one-size-fits-all process. We do not believe in an assembly line approach where the person doing the inventory and discussing the loss with the insured is not involved with the valuation or continued communication with the policyholder or adjuster. We believe such a model is inherently flawed and wrought with failure points. Our career professional project managers are involved in all aspects of the claim handling process.
We are true consultants who analyze the factors surrounding a loss and collaborate with the participants to create a plan of action that best addresses the needs of each loss we handle. We pride ourselves on providing superior, personalized service to both the policyholder and adjuster to ensure the most accurate and seamless resolution of even the most complex contents claims.