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Personal Property Damages

It's Your Stuff and It's Worth Our Time.


If you could hold your house in your hands, turn it upside down and shake it, anything that could fall out is referred to as “Personal Property” or “Contents”. Essentially, these terms refer to whatever isn’t physically attached to your house. It’s your “stuff”. Did you know that the average home contains more than 12,000 items?

While most insurance companies will usually ask about their insured’s lost Personal Property, they will typically provide only a blank form and instruct their insured to list all of their lost property.  This is a daunting task for any homeowner. If the insured can’t complete their inventory within the allotted time, their Personal Property compensation defaults to the carrier. Reimbursement to the client is then determined by the insurance company after a cursory examination of the loss. 

This usually results in thousands of additional dollars being lost on a claim, simply because the insured didn’t have enough time to document each item in their home.  This requirement makes it inherently difficult to accurately reflect the client’s actual loss and results in lower payouts from the insurance company. This is intentional. It’s by design.

Our highly trained Personal Property Team, however, arrives at a loss location prepared to document every item from A to Z.  Nothing is so small that it will escape their attention. Here’s our process:

Partial Loss Victims

  • Our team starts by sorting and sifting the loss location; identifying and separating all total-loss items.

  • Next, they categorize these items, staging them for the cataloging process.

  • Our team photographs and describes these items, entering each one into our proprietary software, exactly as they found them. This provides an indisputable evidence of loss.

  • Once this detailed process is completed, the file is taken to our corporate office where our Personal Property Staff compiles the first draft of our client’s loss. Once completed, we enlist the client’s help in ageing and conditioning their lost property.

  • After the client completes their part, our Personal Property Staff begins the  methodical process of researching Like, Kind and Quality replacements for each item. They enter their identified replacement into the client’s Personal Property Inventory, including the merchant’s URL, the item’s replacement photograph and the replacement price.

  • Once this information has been entered, the real magic begins! Concordia Claims Managers’ unique software utilizes an algorithm that applies a complex series of variables: it can accurately depreciate the item based on its condition, years owned and expected life. It then calculates an item’s Actual Cash Value and compares that to its Replacement Cost Value. This not only allows the insurance company’s adjuster to verify our findings, it also eliminates questions or disagreements.

  • Our staff then compiles the finalized Personal Property Inventory. We compare annual income with the declared age of your items, and then generate an Audit of the claim. We identify potential problems and correct them. This becomes our submission.

Total Loss Victims (Catastophic)

What happens when absolutely nothing has been spared after a disaster? Well, we’ve thought of that, so our process begins with CCM’s Personal Property Memory Jogger, the most comprehensive compiled inventory in the industry.  Specifically used for Total Loss victims and proprietary only to CCM, this list is comprised of over 8,900 individually listed items that we’ve found in our client’s homes.  If you owned everything listed in this Jogger, your claim could very well exceed $5,000,000.00. The list is divided into 57 separate categories that might exist in any given home, including lists for Musical Instruments, Holiday Décor, Camera &Photo Equipment, Crafting Materials, Electronics and much,  much more.

The CCM team starts with a personal interview to get an idea of the scale of the loss and identify the exact number and types of rooms in your home before the peril.  CCM then customizes our master list, compiling your inventory to match the specific categories that apply to your loss. After the condensed client-specific inventory has been created, the insured is asked to identify the items they owned, and answer a few questions about each item. After that, we take it from there!

CCM’s staff goes to work, transferring the entire list to our Personal Property Inventory Proof of Loss, where the magic really happens.  Our staff will price each and every item you’ve listed and subject the entire claim to a series of algorithms to determine the Actual Cash Value (ACV) and Replacement Cost Value (RCV) of your claim.  Every item exceeding $40 in value is hyperlinked to a retail web page to validate our pricing of the item.  Finally, we conduct a detailed audit to ensure the integrity of your claim.  Any minor details are adjusted and a final version is provided for your approval before your claim is submitted to your insurance company.


This consistent, meticulous approach to our personal property inventories has resulted in years of maximized settlements for our clients. Insurance Companies appreciate the detail of our submission and overwhelmingly pay the claim promptly.  Of course, occasional pricing issues may need to be discussed and adjusted before a final settlement occurs.

There are no other Public Adjusting firms offering such a robust level of support or increased Personal Property recovery.

Attention to detail and commitment to our client’s recovery is why we mean it when we say, “No other public adjuster does what we do.  No One!”

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