72-hour contents list for public adjusters
Every dollar in every photo. Defensible.
You want the maximum settlement and the no-hassle list to back it up. Our in-house contents specialists plus our AI inventory engine return 3,000–5,000 line items, each with replacement product link, RCV, ACV.
Guaranteed in 72 hours, or your money back.
Contents claims are the bottleneck no one has solved.
Reading damage is your job. Pricing 5,000 items shouldn't be.
Generic lists, minimum payouts
Carrier software values "toaster" at $4.88 and "Breville Smart Toaster (BTA840XL)" at $149.95. Your client's list looks like the first one — and they leave 70% on the table without ever knowing.
Weeks to compile, days to file
A traditional contents list takes 4–5 weeks to assemble. Meanwhile your client is sleeping on a friend's couch and the carrier is asking why nothing has been submitted.
Carriers reject unverified lines
If a line item doesn't have a comparable replacement, a real product link, and quantifiable features, the carrier values it at the lowest match in the database. Then they push back when you challenge it.
The task usually lands on the homeowner
Contents claims take weeks. It's not unusual for the homeowner to be left with the impossible task — one nobody wants to take. Send it to us instead. Your clients get a more complete, defensible list than anyone could have built alone. You get your time back, and a higher fee on the overall total payout.
We turn your photos into a finished, priced contents report in 72 hours.
You upload the photos. We send back the finished report in 72 hours, ready to submit.
You send the photos
Smoke, water, contamination, fire. Phone photos, drone shots, walk-through video stills. We accept what your team or your client already has — no on-site visit required, no protocol training, no proprietary capture rig.
AI does the volume. People handle the accuracy.
Our AI detects every item, extracts features, and proposes a replacement product with ACV and RCV. Our content specialists then walk every line — correcting matches, catching the items the AI missed, and locking in the Xactimate code.
72 hours. Not 3 weeks.
A property that used to take three weeks of contents work, finished in 72 hours at the same depth — and the accuracy guarantee sits on us, not your client.
We believe in AI, but we don't depend on it.
In insurance you have to aim for perfect to land on good. A human-only inventory costs more than the claim is worth and still won't get you there. An AI-only inventory is wrong often enough to be a liability. AI builds the 95% baseline; our content specialists close the gap.
From photos to filed in 72 hours.
Nothing to chase, nothing to coordinate.
- Hour 001
You upload the photos
Drag-and-drop or shared drive link. Phone photos, video stills, walk-through footage — whatever your team or your client captured. We ingest the full set in minutes.
- Hour 0–4802
AI builds the 95% baseline
Our inventory engine detects every visible item, extracts feature attributes from photo metadata, matches to a replacement product, and computes ACV / RCV against current vendor pricing.
- Hour 24–6003
Content specialists finalize
A Flow Contents specialist walks every line — correcting wrong matches, adding the items the AI missed, locking in Xactimate codes, and confirming age and condition.
- Hour 7204
Carrier-ready report delivered
You receive a single spreadsheet — every line with the full 9 fields, formatted to drop straight into your claim file. No rekeying. No reformatting. Filed the same day.
See a real sample report
Anonymized excerpt from a real claim. Drop your email and we'll send you the live spreadsheet.
What every report includes
One report. One fee. Built for a public adjuster's claim file.
Specific product where verifiable. Generic only when the photo doesn't allow more.
One-line plain-English description of what the line item is.
Material, finish, configuration, brand, model number — every attribute extracted from the photos.
Internal taxonomy that groups items for room-by-room and total claim views.
The exact carrier code, ready for direct entry. No mapping work for your team.
Estimated using photo evidence and category benchmarks. Drives depreciation correctly.
Excellent / Good / Fair / Poor, supported by photo. Stops carrier downgrades.
Actual Cash Value — depreciated against age and condition.
Replacement Cost Value — current market price from the linked replacement product.
Our fee pays for itself, or you don't pay it.
Flat $2,000 base fee plus 1% of documented value above $200,000. If we don't recover more than we charge in additional documented value, the fee is on us.
- Unlimited photos per property — all rooms, exterior, garage
- 3,000–5,000 line items per property, on average
- All 9 fields on every line, including Xactimate code
- Claims from $50K to $5M
- Up to 3 revision passes included
- 72-hour turnaround, guaranteed
- No per-item, per-room, or overage charges. Ever.
Only the $2,000 base is due upfront. The performance bonus is invoiced when we deliver — never before.
| Claim value | Base | + 1% bonus | Total |
|---|---|---|---|
| $200,000 | $2,000 | — | $2,000 |
| $400,000 | $2,000 | $2,000 | $4,000 |
| $1,000,000 | $2,000 | $8,000 | $10,000 |
| $2,500,000 | $2,000 | $23,000 | $25,000 |
Don't believe us? Pick a claim you've already closed.
Send us the photos and we'll redo the contents work. If our report doesn't surface more documented value than your existing one, you owe us nothing.
Send us a closed claimWhat happens when the documentation is right.
Three properties. Three carriers. The same engine produced these results.
72 hours. Best list you've ever seen. Or your money back.
Late = full refund
If we don't deliver your complete, carrier-ready report within 72 hours of photo handoff, you get every dollar back. No prorating. No clauses.
Not the best list you've seen?
Open the file. If it isn't sharper, more complete, and more defensible than any contents list you've ever filed — you just have to tell us how to make it better. We fix it. If we still can't get it there, full refund. Your sole judgment.
No forms. No back-and-forth. Email Leland and we either fix it or refund it the same day. We built the process to deliver — and we eat the cost when it doesn't.
Questions public adjusters ask us.
Have an active claim? Let's talk for 15 minutes.
Walk us through one claim, see how we'd structure the photo handoff, and get a firm quote on the spot. No pitch deck, no follow-up sequence.