This process involves inventorying and documenting all items that have been deemed a total loss on a contents job.
1. Assess Damage of contents
Inspect each item in the contents job to determine the extent of damage.
Make a thorough assessment of the condition of each item and note any visible signs of damage or destruction.
Take detailed photographs or videos of the damaged items to provide visual evidence for the inventory and claim process.
2. Document contents deemed a total loss
Document the contents deemed a total loss and create a detailed inventory.
Take note of the item's description, condition, and any relevant information such as brand, model, or serial number.
Use a digital or physical inventory list and ensure that each item is accurately recorded.
Include photographs or video footage if necessary to support the documentation.
This step is crucial in providing evidence for insurance claims and facilitating the settlement process.
3. Prepare Total Loss Inventory List
Gather all the necessary information and documentation to create a comprehensive inventory list of items that have been deemed a total loss on the contents job.
This step involves carefully reviewing the assessment of damage conducted earlier and identifying all the contents that are considered irreparable or unsalvageable.
Start by referencing the assessment report and cross-checking it with the documentation collected during the process.
Carefully review each item on the list and ensure that it meets the criteria for being classified as a total loss. This may include items that are severely damaged, beyond repair, or no longer safe to use.
As you go through the list, meticulously document each item that qualifies as a total loss. Include detailed descriptions, such as the item's name, brand, model, and any distinguishing features.
Additionally, note the location where each item was found within the property.
Take accurate measurements of the damaged items when necessary, especially for larger objects that may require replacement. This information will be crucial for the insurance claim process and for determining the appropriate compensation.
Make sure to record any supporting evidence, such as photographs or videos, that clearly depict the extent of the damage sustained by each item. These visual aids will help strengthen the validity of the total loss claim and provide a visual reference for the insurance company.
Once you have completed the inventory list, thoroughly review it to ensure its accuracy and completeness. Double-check that all necessary information has been included for each item, including any necessary documentation or supporting evidence.
By preparing a detailed total loss inventory list, you will provide a comprehensive record of the contents that have been deemed irreparable or unsalvageable. This will serve as a critical document in the process of submitting a claim to the insurance company and seeking appropriate compensation for the loss.
4. Present your total loss list to the insurance adjuster
Present your total loss list to the insurance adjuster:
Present the total loss list. Provide them with a copy of the report and any supporting documentation to support your findings.
1. Clearly and confidently communicate the details of the total loss items, explaining the basis for categorizing them as such and providing any additional context or information that may be relevant.
2. Be prepared to answer any questions or address any concerns the insurance adjuster may have regarding the total loss items. Provide any necessary clarification or additional evidence to support your assessment.
3. Listen attentively to the adjuster's feedback or requests for further documentation. Take note of any adjustments or revisions they suggest to the total loss list and be open to discussing any discrepancies or disagreements.
4. Collaborate with the insurance adjuster to reach a mutual agreement on the total loss items and their respective values. This may involve negotiation or further discussion to ensure a fair and accurate assessment.
5. Once the adjuster has reviewed and approved the total loss list, document their agreement and any changes made to the original report. Update your records accordingly and proceed with submitting the final claim for the total loss items.
5. Dipose of the total loss approved by the adjuster
Dispose of the total loss items that have been approved by the insurance adjuster.
This step involves safely discarding the items that are deemed a total loss and cannot be salvaged.
Follow any specific guidelines provided by the adjuster for proper disposal methods.
Make sure to document the disposal process for record-keeping purposes.
