What do I do if
I don't have a pre-loss inventory of my contents.
Most homeowners lack a formal inventory.
I don't have a pre-loss inventory of my contents.
Root cause
Why this happens
Most homeowners lack a formal inventory.
Know the law
Your rights as a Florida policyholder
You can still submit a reconstructed inventory with reasonable proof.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
What to do
Solution steps
- 01
Step 1
Walk through rooms from memory, listing items
- 02
Step 2
Use credit card statements, online purchase history, and photos from phone backup
- 03
Step 3
Check insurance inventory apps
- 04
Step 4
Enlist family members to help remember
- 05
Step 5
Submit with sworn proof of loss
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Engineers retained by carriers frequently produce reports aligned with carrier positions.
Hurricane and named-storm deductibles are percentage-based. Homeowners frequently miscalculate.
ALE payments require documentation, but carriers sometimes over-demand.
Firearms, business property, cash, jewelry, and electronics all have sublimits.
Engineers retained by carriers often produce reports narrow in scope or favorable to carrier positions.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the law
Relevant statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
See also
Other common problems
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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