Just imagine that your insured has lost everything in a house fire. You receive the inventory, and before you even make your way to the scene to start verifying contents, two more house fires cross your desk. This means more contents to verify, more claims to process, more individual policies to research, more living expenses to pay for displaced families, and yet more heartbreak as your insured's life is put on hold by unspeakable tragedy. It all piles up, as time seemingly stands still.

The services of a contents specialist can speed an insurer's residential and commercial contents claims processing, and allow the displaced policyholders to move on with their lives or business more quickly. Most importantly, a contents specialist acts as a dedicated partner, meticulously sifting through debris to identify contents room by room at the loss location—and identifying when reported contents are not there—all while ensuring that policies exclusions and limitations are applied.

When a contents inventory is conducted by trained adjusters—not simply by contracted contents counters—then a carrier receives an accurate content adjustment from start to finish. As such, the claims adjuster is not burdened by researching the items weeks or months after the loss or after the contents are disposed of. It is all taken care of by multistate-licensed adjusters and contents specialists during the on-site inventory, which includes high-quality digital photographs, building diagrams and pack out management. As a value-added claims service, contents specialists can also bag the contents for removal, further separating the contents and building, and reassuring the insured that all items have been accounted for and verified.