Contents Claims Resource Centre

Practical answers on how contents claims work in British Columbia, from pack-out and documentation to storage, non-restorable reporting and return. Written for the adjusters and restoration partners we work with, and for policyholders going through a claim.

Action Contents claims coordinator smiling while working at her office desk

What Is a Schedule of Loss in a Property Insurance Claim?

A schedule of loss is a structured record of the belongings being claimed after an insured property loss.

Action Contents project manager with a tablet in an aisle of storage vaults at the warehouse

What Causes Contents Claims to Become Delayed or More Expensive?

Contents claims can become slower or more expensive as small process problems accumulate alongside larger constraints, such as repair delays, authorization decisions and sudden demand after a major loss.

The Action Contents project management team standing together in the office

Why Use a Contents Specialist for an Insurance Claim?

Insurers and restoration contractors use a contents specialist because a contents claim needs more than moving belongings.

Action Contents team member with a labelled contents box in a storage warehouse lined with storage vaults

What Should Proper Contents Claim Documentation Include?

Proper contents claim documentation should record what each item is, which room it came from, its observed condition, where it was moved, whether it needs further assessment and how it connects to the reports the adjuster receives.

Two Action Contents project managers assessing household contents with a laptop beside a packed moving box

When Is a Contents Pack-Out Necessary During Property Repairs?

A contents pack-out is necessary when the loss or the repair scope makes it unsafe or impractical for belongings to stay in the property.

Action Contents team member sealing a branded contents box during a pack-out in a client's kitchen

What Does a Contents Restoration Company Do During an Insurance Claim?

A contents restoration company manages the household and business contents affected by a property loss, from the first assessment through to the day those items are returned.

Action Contents crew member carefully packing a framed artwork beside labelled contents boxes

Repair, Restore or Replace: How Damaged Contents Are Assessed

Whether a damaged item is cleaned, repaired, restored or replaced depends on the item itself: what it's made of, what happened to it, whether a suitable process and qualified provider exist, whether its function can be relied on, and what repair costs against an appropriate replacement.