Guides
How contents claims get built, priced and depreciated — written for the people who do it, with the product's real behaviour rather than its brochure.
01
How Kevin works
The product, in detail, including where it stops.
- How Kevin builds insurance contents line itemsHow a photograph becomes a priced, classified, depreciated line item — and where a person confirms the work.
- Insurance contents pricing softwareHow a line gets its price: query construction, comparable filtering, a single listing, and where resale comes in.
- Contents inventory software for public adjustersWhat the workflow automates, what it leaves to you, and what comes out at the end.
02
Doing the work
Method that holds up whether or not you use our software.
- Contents claim QA checklistThe pass to make before a schedule leaves your hands, grouped by what you are looking at.
- Why line items get questionedIdentity, comparable and consistency problems — and why questioned rarely means denied.
- Building a 500+ item claimWhere the hours go on a large inventory, and why photographs are not line items.
- Clothing and footwearA closet photo supports quantity, not identity — when to group and when to itemise.
- Contents inventory field guideWhat belongs on a line, how specific a description has to be, and why several photographs describe one item.
- What a reviewer looks forThe ten checks a desk adjuster applies, and why consistency is what a large schedule is judged on.
- How to price contents claims fasterThe five bottlenecks on a large claim, and where automation should stop.
- Automating replacement-cost researchWhat a defensible search needs, why long descriptions make bad queries, and the matches worth filtering out.
- Finding a defensible comparableThe matching hierarchy, what never to price from, and why a dated source link matters.
- Why item-level photos matterA room photo proves property existed; it rarely proves what it was.
03
Valuation and depreciation
The arithmetic behind the two numbers on every line.
- Documenting source pricingWhat a source has to establish, and why the URL is the least important part of it.
- Exact match vs like kind and qualityWhat a replacement has to preserve, and where a substitution stops being defensible.
- Documenting high-value propertyWhere a small identification error costs the most, and which classes never auto-price.
- Pricing collectiblesEdition, condition and completeness — and the markets where ordinary retail says nothing.
- Pricing a discontinued itemExact model, successor, like kind and quality — and where the resale market takes over.
- Retail vs the resale marketWhich market represents the item, why asking prices mislead, and what Kevin prices from.
- Useful life by content classThe full schedule Kevin applies — 87 lines, 31 categories — generated from the live engine.
- How contents depreciation worksUseful life by class, real schedule lines, and why depreciation runs all the way to 100%.
- RCV vs ACV on a contents claimWhat separates the two figures, and how a real line foots once tax is in it.
04
Total losses
When the property and the evidence are both gone.
- Pricing a contents claim without photosHow a written inventory is parsed, mapped, previewed and priced — and where it is weaker than photographs.
- Documenting non-salvageable contentsWhat to photograph before the dumpster, and why that decides what the schedule can say.
- Rebuilding an inventory after a total fire lossThe evidence that usually survives, a room-by-room method, and the mistakes that cost the most.
05
Choosing software
Comparisons written to be useful rather than flattering.
- A faster XactContents-style workflowWhat Kevin does, what it does not, and how the export lands. Not affiliated with Verisk.
- Kevin vs XactContentsRow by row, including when XactContents is the better fit.
- What to look for in contents softwareEvaluation criteria and the questions to put to any vendor, including us.
- Contents software ROI calculatorWhat your current process costs at your own volume and rate, on your assumptions.
- 4,000+ line items in 30 daysWhat one adjuster's month looked like through Kevin, and what a person still reviewed on every line.
Build contents claims faster with Kevin.
Your first 250 line items are free, with no clock running. $249/mo after that, unlimited claims.