Personal Property Assessment

Personal Property

"...BRAVE's roots. This is where we started. Assessment and Valuation of our clients and Homeowners claims. A tough job to say the least, and What we saw in the years of doing this , were below par and substandard companies as well as individuals, misrepresenting not only the people who lost everything but the very carriers who entrusted a task within these companies to go out and gather all information required.

BRAVE vowed to change that. We need to build a relationship. From the ground up. And to do that very thing, We need to show you, that trust is the key to a productive relationship. "Talks' cheap", you see, and In other words, "actions speak loud than words". BRAVE represents the very carriers who attach us to claims with full on integrity, and most importantly, we represent You the Homeowner."

We stand firm on the Motto: "Whats right is right".

With the attention being focused on structural damage and emergency expenses, the damage to contents is frequently a neglected component of an insurance loss. However, these items often mean the world to the policyholder. For many, their personal belongings tell the story of their life and have great sentimental value.

At the same time, the value of contents damaged in a loss can be the largest component of a claim. The specific value of each item can vary greatly depending on many factors such as brand, size, features, quality, age and condition (these are critical in establishing the correct replacement cost and actual cash value, and determining whether an item is cost effective to restore).

The handling of a contents loss is exactly where genuine customer service and close interaction with the policyholder become critical. BRAVE has experienced and skilled adjusters and contents specialists standing by to respond to contents losses of any size.

BRAVE:
Contents Damage Evaluation

It is critical to properly evaluate contents damage and initiate the correct restoration process. It is also important to determine if it is cost effective to restore affected items. Often the cost to pack out, clean, store and pack back an item may be more costly than actual replacement. We work with contents restoration vendors and the policyholder to ensure correct decisions are made to protect and restore personal property in the most appropriate and cost-effective manner.

Total Loss Contents Inventory and Valuation

Often a policyholder or their contractor attempts to prepare an inventory of the total loss contents. However, this frequently results in inventories which are undocumented, inaccurate or lacking in sufficient detail to properly value the items. This frequently results in claim disputes and inaccurate claim payments. To ensure an accurate claim settlement, contents which are not restorable must be properly inventoried and accurately valued. BRAVE's contents team will inspect, inventory and photograph each total loss item to establish and document the exact quantity and quality of the damaged property. Our experienced staff understands that proper documentation of the brand, size, quality and features of each item is needed (or required) to determine an accurate replacement cost.

We work directly at the loss site, with the insured whenever possible, to create a timely and accurate list that is confirmed and agreed upon.

Understanding special limits of insurance for certain personal property limits, exclusions and endorsements, we will organize the total loss inventory in a manner that will conform to the insurance carrier’s coverages and procedures.

We are able to individualize the scope of each claim assignment and tailor our services to your needs and procedures. Our experienced and compassionate staff are standing by to assist you with any size contents loss.