Get every dollar your contents claim is worth
Furniture and belongings are routinely undervalued after fire, water, or smoke damage. Free review with a licensed Utah public adjuster.
Check your contents claim before you accept it
When your home survives a disaster but your belongings don't, the settlement should cover what you actually lost. Not what the insurer decides to overlook.
Claims cut by depreciation
If your policy includes replacement cost coverage, that's what you should get.
Overlooked initial inventory
The insurer often misses items in their first walkthrough, so those items get no payout.
Contents lost to smoke damage
Smoke gets into clothes, upholstery, and electronics, even when flames never reach them.
Flood-damaged belongings
Flood water ruins almost everything it touches; a full inventory is essential to a fair claim.
Burst pipe water damage
Quick water damage can warp furniture and ruin bedding, clothing, and personal items.
Items missed in the claim
Without a detailed room-by-room inventory, the insurer may overlook high-value items.
A contents inventory that misses items
Most underpaid contents claims show the same patterns. Check your settlement against these signs before you accept it.
Missing inventory items
Compare the adjuster's list against every room you lost. Omitted furniture and belongings are the most common shortfall.
Outdated valuations
If your settlement uses what you paid years ago, not today's replacement cost, the number is likely too low.
No documentation requests
A proper contents claim requires receipts, photos, and serial numbers for high-value possessions. When those aren't requested, items get overlooked.
Depreciation applied too broadly
Replacement cost coverage shouldn't leave you paying the gap. Depreciation belongs on some items, not everything you owned.
Settlement matches nothing
A round number that doesn't trace back to a documented inventory usually means a quick payoff, not a fair one.
Your contents claim was never fully itemized
Insurers often settle contents quickly using generic checklists, not a room-by-room review. After fire or water damage, belongings get overlooked in the rush to handle the bigger structural claim. A licensed public adjuster in Utah can itemize what you lost and push for the full payout your policy allows.
Receipts? ACV vs. replacement cost?
Straight answers to the valuation questions that stop claims before they start.
Start your free contents claim review
One phone call connects you with a licensed adjuster who checks that your claim reflects actual replacement cost. No upfront fees. No obligation.