ICC's 5 Step program the "ICC Contents Loop"

1)Prepping the grounds...Shoring up walls, strengthening the floors or ceilings. Often times we have to have a small construction team come out and reinforce the walls, ceilings or floors that may fall...Take down the chimney so it doesn't injure someone. This all depends on the remains. We will board up and secure a padlock or lock-box on door Making the place safe for the onsite team and for you if you want to retrieve items.

2)The Onsite team meticulously roots out every single item left to be recognized. At times using a sifter going through the ashes picking out bits and pieces of your personal belongings...Like a prospector looking for gold. Everything is ID'd and recorded nothing is lumped together unless the items are identical in every-way. At the end of each day the data is shipped to our Stenographers.

3)The Stenographers creates a custom spreadsheet with columns for Description and where purchased,. Replacement Cost, Age, Actual Cash Value and Total . The Stenographer starts inputting each item the Onsite Crew listed..At the the end of each day the completed Spreadsheets goes to our Pricing department

4)The Pricing Department sources each item and applies the correct Replacement price. After it is priced it goes back to the insured to be "aged"....

5)Then back to one of our Senior Public Adjuster's to apply proper Depreciation and we take everything into consideration not just the age of the item. The insurance company will try to depreciate according to age and category only, but that is not accurate and it unfairly penalizes the insured. We depreciate EACH line item manually because there are too many variables to consider.

An example: You buy 2 identical rugs and you put one in your entry way and the other you put in your guest room, that is rarely used. After 3 years the rug in the entry way will show considerable wear and tear and will not be as valuable as it was the day you bought it. However, the rug in the guest room will be like new. The insurance company will apply the same depreciation to each item. This is incorrect...This example is just two line item example this same protocol must be applied throughout the list which will be in the "thousands".

As you can see this arduous and complex task involves multiple professionals working together, in a loop . . . It is a huge operation to make sure that the Contents Report is accurate, thorough and honest. A house with $200,000.00 in contents coverage will take 3-5 people and approximately 700 hundred combined hours.

The insurance company adjuster will either hand you some forms and say "you're on your own" or they will tell you that they are bringing a Contents team out to inventory for you. The insurance company Contents team will not inventory every item like we will.