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 5,000–7,000 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.
You can read damage. You can negotiate scope. The thing eating your week is the list of every item the homeowner ever owned.
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.
Documentation caps your capacity
Every claim you take on means weeks of contents work — yours or someone else's. The bottleneck isn't demand. It's how long it takes to produce a defensible list.
Trained humans. Tuned AI. The only system that runs both.
Send us your photos. Our input clerks build the list in 72 hours. You review and deliver.
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.
Our AI engine drafts. Our team finalizes.
Our AI detects every item, extracts features, and proposes a replacement product with ACV and RCV. Our trained input clerks then walk every line — correcting matches, catching the items the AI missed, and locking in the Xactimate code.
72 hours. Not 3 weeks.
Same property. Same depth. What used to be three weeks of contents work, finished in 72 hours. The hybrid process is the only way it's possible — and the guarantee sits on us, not your client.
The AI alone is wrong often enough to be a liability. A pure human shop is slow enough to lose the claim. Combined, the same property goes from a 4–5 week document drag to a 72-hour deliverable — with higher quality than either approach produces alone.
From photos to filed in 72 hours.
One handoff. One delivery. The hours between are ours to manage.
- 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 drafts every line
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
Reviewers finalize
A trained Flow Contents reviewer 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 what your client's report will look like.
1,000 items. 10 rooms. 72 hours. Every item priced, sourced, and depreciated.
An anonymized excerpt — every line with the full nine fields, every link live. Browse it in your browser. We'll generate the real file for your specific claim.
Browse the spreadsheet in-browser · the full file is generated per claim
Every line. Nine fields. Every claim.
One report. One fee. Built for a public adjuster's claim file — not a homeowner's Google Sheet.
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.
One tier. One fee. No surprises.
Flat $2,000 base fee plus 1% of documented value above $200,000. You only pay the base upfront — the performance bonus comes due on delivery, after you've seen the report.
- Unlimited photos per property — all rooms, exterior, garage
- 5,000–7,000 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 |
What 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.