4,000+ Carrier-Facing Contents Line Items in 30 Days
Kevin was built by a practising adjuster to solve his own bottleneck. In a single month, his claims produced more than four thousand carrier-facing contents line items through it.
What does 4,000 line items in a month actually demonstrate?
That one adjuster, using this workflow, can carry contents volume that would otherwise need either a much larger team or a much longer calendar — without dropping the evidence behind each line.
The figure is first-party: it comes from Kevin's founder, who is a practising adjuster, and describes his own claims over one month. It is not an audited study and we are not going to present it as one. What makes it worth publishing is that the work was carrier-facing — these are lines that went out on real files, with the listing behind each price attached.
Why Kevin exists at all
It was built to solve the founder's own problem, which is the least glamorous and most reliable reason software gets built. A contents claim of several hundred items is a week of clerical work: describing each item, researching what it costs to replace, copying links, picking categories, applying depreciation, and typing all of it into a spreadsheet that the carrier's importer will reject if a cell contains a formula.
What the work used to be
- Photograph the pack-out, then transcribe each item into a list by hand.
- Research make and model from the photographs, one item at a time.
- Search for a replacement price, compare listings, pick one, copy the URL.
- Choose a content class, look up the useful life, apply depreciation for the age.
- Type every line into the carrier's template, then retype anything that changed.
None of that is judgment. It is the same seven steps several hundred times, and it scales only by adding people or weeks.
What the work is now
- 01Photos in
- 02Reviewed
- 03Priced
- 04Exported
The photographs go up in one pass. Sets are proposed and confirmed by a person. Items are identified, priced from a listing, classified and depreciated, and the ones Kevin will not guess at arrive blank for the adjuster to fill. The export is a file the desk can import.
What a person still does
- Grouping decisions where the evidence is ambiguous.
- Identifications the photographs could not settle.
- Unusual comparables, and the four classes that are never auto-priced.
- Claim-specific judgment: what a particular carrier will question, and what the insured can actually document.
Why it matters for a practice
Contents capacity normally scales with headcount, which is why large contents claims get turned down or sublet. Removing the clerical layer changes the ratio: the constraint becomes how many claims an adjuster can exercise judgment over, not how many lines they can type. That is a different business, and it is available without hiring for it.
What this page does not claim
No hours-per-claim figure appears here. The numbers published elsewhere on this site do not currently agree with each other, and a case study is the worst place to settle that by picking the flattering one — when the arithmetic is reconciled, it will appear here with its basis stated. No carrier, claim number, insured name or address appears either: these were real claims belonging to real people.
Common questions
Where does the 4,000 figure come from?
Does that mean 4,000 items were created without review?
What was still done by hand?
Does this mean Kevin will do the same on my claims?
Why is there no hours-saved number on this page?
See it on your own claim
Your first 250 line items are free, with no clock running. $249/mo after that, unlimited claims.
Related
- How Kevin builds a line itemThe process behind every one of those lines.
- Contents inventory software for public adjustersWhat the workflow automates, and what it leaves to you.
- How to price contents claims fasterThe five bottlenecks, and where automation should stop.
- Pricing: $249/mo, unlimited claims2,000 line items a month included, then $0.20 an item.