Personal property public adjuster for denied or underpaid claims

Home › Insurance claims › Personal property claims

Who we help with personal property claims

Contents are often the largest and slowest part of a claim. We help:

• Homeowners whose furniture, electronics, clothing or appliances were ruined by fire, smoke, water or a storm, or taken in a burglary
• Landlords with furnishings and appliances they own in rental units
• Businesses with damaged stock, equipment and business property (see commercial claims and industrial claims)

The best time to call is before you accept a contents offer that seems lower than your loss.

What our clients say about the details

Accurate Claims Consulting

5 Stars - Based on 37 User Reviews

Yelp Rating

5 Stars - Based on 6 User Reviews

It is not fun to have to deal with these kinds of issues. I did not feel competent in the details that I knew I needed to provide my insurance company.

Mike Hawley, Google review (water damage)

Read all of our reviews

Insurer-side training, policyholder-side loyalty. Our public adjusters have worked for major insurance companies like Farmers, State Farm and Allstate, which gives them inside knowledge of what you are owed for your claim. Each has a Bachelor’s degree at minimum, and some are US military veterans. About Accurate Claims Consulting

How we handle a personal property claim

1. Photograph before anything goes. We document every damaged item, including the ones that are obviously ruined, and the disposal pile before it is hauled away.
2. List room by room, then by category. We walk each room and then sweep categories such as tools, linens and storage areas to catch what was missed.
3. Research replacement cost. Each line gets a current price for a comparable item, with its source, and the proof of ownership you have.
4. Test what can be cleaned. Smoke- or water-affected electronics, textiles and soft goods are evaluated item by item rather than by blanket assumption.
5. Settle and collect the holdback. We negotiate the contents payment and the recoverable depreciation owed after replacement, on contingency.

What insurers dispute on personal property claims

Was the item documented before it was thrown out?

Once an item is gone, its condition becomes a matter of competing recollection. Photograph everything, and keep items that cannot be cleaned until the claim is resolved where you can.

Can it be cleaned instead of replaced?

Sometimes, but clothing, bedding, books, upholstery and electronics absorb smoke readily, and residue on circuit boards can cause a device to fail months later. Have affected electronics evaluated and keep the report; our article on smoke and soot damage explains why.

Was the offer made before the list was finished?

Accepting an offer before the inventory is complete, or pricing items at what you paid rather than at current cost, leaves money unclaimed. Take the time the policy allows and note its deadlines.

Was the depreciation holdback ever collected?

On a replacement cost policy, part of the payment is released only after you replace an item and send the receipts. Households that never submit them leave that amount unpaid. Our guide to building a personal property inventory walks through the process.

Licensing and where we work

Our adjusters hold California public adjuster licenses issued by the California Department of Insurance, which also helps consumers who have questions or complaints about a contents claim. For policies on Arizona property, contact the Arizona Department of Insurance and Financial Institutions.

Public Adjusters Services Areas

Contents losses usually come with a building claim: see our fire damage, water damage, storm damage and theft and vandalism pages. We also handle mold damage and earthquake damage claims.

Personal property claim questions