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Contents Claims After a Catastrophe

A CAT deployment is the same contents work at ten times the rate. Unlimited claims on a flat fee, a folder of photographs in one upload, and total losses priced from a list — plus a plain account of the one ceiling that exists.

Kevin Godfrey, KevinLast updated 27 October 2026

How do you handle contents claims during a catastrophe surge?

By removing the per-claim cost and the per-claim setup. Kevin is flat-rate with unlimited claims, ingests a whole shoot in one upload, and prices total losses from a written list when nothing was left to photograph — so twenty files in a week is a volume problem, not a pricing one.

After a wildfire, a hurricane or a tornado outbreak, the files arrive together and the contents half of each one is what runs late. The structure gets scoped in an afternoon; the personal property list takes days, and twenty of them take weeks that the deployment does not have.

Nothing here makes a hard claim easy. What it does is take the per-file overhead out, so the time goes on the lines that need judgment instead of the ones that need typing.

What changes when the volume does

The parts of a CAT week that normally scale badly
Under surgeWhat Kevin doesWhat it does not do
Twenty files open at onceFlat fee, unlimited claims — no per-claim charge to approveReduce the judgment each file needs
A folder of 300+ photographsOne selection, one click; chunked so a big upload cannot time outMake a blurry photograph identifiable
Re-dropping yesterday’s folderResolves to duplicates across the whole claim, not new itemsMerge two claims that should have been one
Total losses with nothing to shootWritten import — a list, a spreadsheet, a pack-out PDFInvent detail the list does not carry
A second visit to the same lossAppends to the claim; line numbers continue and never renumberReopen an export already sent to a carrier
Storage filling up500 GB included; closed claims tier to archive after 90 daysDelete anything to reclaim space

The ceiling, stated plainly

Claims are unlimited. Line items are not. Pro includes 2,000 line items a billing month, and a CAT month is the month most likely to pass it. Here is exactly what happens, because finding out mid-deployment is worse than knowing now.

One more thing worth knowing before it surprises you: the counter records items produced, not items kept, so deleting a line does not return it to the allowance. The research behind that line has already been run and paid for.

And under heavy load the pricing engine throttles. Lines waiting on capacity show a quiet Pricing chip rather than an error, and a worksheet bar offers Retry deferred once limits roll over. It is a wait, not a failure, and nothing needs re-keying.

Wildfire, hurricane, tornado

The differences that matter are about what evidence survived, not about the peril.

  • Wildfire usually means total loss and nothing to photograph. The inventory is rebuilt from a list — see total loss contents.
  • Hurricane and flood leave property that exists but is non-salvageable, so the work is documenting what was there and pricing replacement.
  • Tornado tends to produce both on the same street, and often both on the same claim — photographed lines and written lines sit on one worksheet.

Common questions

Does Kevin charge per claim during a catastrophe?
No. Pro is a flat $249 a month with unlimited claims. Twenty claims in a week cost the same subscription as two — it is line items, not claims, that carry an allowance. Per-claim pricing punishes exactly the week a CAT deployment is made of, which is why we do not have it.
What happens when a surge exceeds the monthly item allowance?
Pro includes 2,000 line items a billing month, then credits at $0.75 an item. If a batch would run past what is left, Kevin processes up to the limit and leaves the rest unprocessed rather than failing the upload — and raises an alert naming exactly how many were dropped. The photographs stay on the claim and run when quota is restored.
Can I upload a whole deployment at once?
A folder of several hundred photographs is one selection and one click. The browser splits it into chunks so a large upload never dies on a gateway timeout, a rejected file reports why, and re-dropping a folder you already sent resolves to duplicates rather than creating a second set of items.
What if pricing slows down under load?
Lines waiting on capacity show a Pricing chip rather than an error, and a worksheet bar offers Retry deferred once limits roll over. It means the pricing service is throttled, not that you have to do anything — and the distinction is on the row so nobody re-keys a price that was about to arrive.
Do claims get deleted or archived to save space?
Never. Closed claims tier to archived storage after 90 days and stay fully accessible; nothing is deleted to reclaim space. Going over the storage pool triggers an email, not a lockout mid-deployment.
What about total losses with no photographs?
Common after a wildfire, and handled by the written-import path: a typed list, a spreadsheet or a pack-out PDF prices without photographs at all. See total loss contents.

Build contents claims faster with Kevin.

Your first 250 line items are free, with no clock running. $249/mo after that, unlimited claims.

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