Contents Valuation Specialists · In Practice Since 2006
Canada's Standard for Contents Inventory & Valuation
InPro delivers carrier-ready Schedule of Loss reports for onsite and desk claims — human-reviewed, Canada-first priced, and defensible at every stage. Trusted by adjusters and carriers across the country.
“We turn messy contents inventories into clean, carrier-ready valuation schedules.”
The Challenge
Contents claims are only as good as the inventory behind them.
Incomplete, inconsistent, or unstructured inventories delay settlement, create costly revision loops, and expose carriers to disputes that reach the courts.
Incomplete & Vague Data
Contractor lists with grouped items, missing descriptions, and unclear quantities create gaps that stall carrier review and delay settlement.
Inconsistent Valuation
No standard methodology leads to unsupported pricing, US-sourced replacements, and schedules that cannot withstand adjuster scrutiny or formal dispute.
Delayed Settlement
Revision loops between adjusters, contractors, and insureds extend cycle times and increase operational cost at every stage of the claim.
Why Accuracy Matters
When the inventory is wrong, the entire claim is wrong.
Real cases. Real consequences. Names and identifying details withheld.
Expert Witness — Fire Loss
Following a total-loss house fire, a policyholder submitted a $1.4 million contents claim. The household's combined annual income was $66,000. The inventory firm handling the file — one of Canada's largest — allowed the insured to self-complete the Schedule of Loss with minimal oversight. Not a single line item was questioned.
The file proceeded through review and ultimately reached the courts. InPro was retained as a technical expert. We identified the discrepancies, quantified the irregularities, and provided a documented analysis that changed the outcome of the case.
A restoration contractor submitted a Schedule of Loss for a significant water damage claim. The inventory contained fewer than 15 line items — grouped entries like "kitchen contents," "master bedroom items," and "electronics" — each assigned a single lump-sum value with no itemization, no sourcing, and no depreciation applied.
InPro was assigned the desk review. We separated the grouped entries into over 200 individual line items, applied Canada-first LKQ pricing to each, and structured the depreciation correctly by category. The resulting schedule was fully traceable, carrier-ready, and reduced the unsubstantiated portion of the claim significantly.
An insured submitted a theft claim that included $180,000 in electronics, jewellery, and collectibles. Items were listed by name only — no model numbers, no purchase documentation, and several described in terms that did not correspond to any verifiable product. The adjuster flagged the file and engaged InPro for a detailed review.
We researched each item using current Canadian retail sources, cross-referenced descriptions against known product lines, and identified entries that could not be substantiated at the claimed values. Approximately $133,000 in claims were either reduced or removed based on sourcing, comparable pricing, and item verification — leaving $47,000 in supportable, documented replacement costs.
Outcome
$133K in unsupported claims identified. Carrier liability reduced by 74%.
Our Services
End-to-end contents valuation support
Whether you need boots on the ground or a desk review, InPro handles every stage of the contents claim lifecycle.
Onsite Inventory & Valuation
InPro specialists attend the loss location, photograph and document every item, and develop a complete, priced inventory from scratch. Ideal for total losses, high-value claims, or disputes where a defensible on-site record is essential.
Primary Service
Desk Claims & SOL Cleanup
Send us the inventory — contractor-generated lists, insured-submitted schedules, photos, or handwritten notes. We normalize, classify, source, and price every item, returning a clean, carrier-ready Schedule of Loss.
Primary Service
RCV / ACV Valuation
Canada-first LKQ sourcing with documented replacement cost and actual cash value per line item.
Complex & High-Value Items
Fine art, jewellery, collectibles, electronics, and specialty items — researched and documented with supporting evidence.
Catastrophe Claim Support
High-volume support with consistent methodology for large-scale events. Scalable, repeatable, defensible.
Dispute & Appraisal Support
Litigation-ready documentation and expert engagement for contested claims and formal appraisal proceedings.
InPro works directly with every party in the property insurance claim process.
Insurance Carriers
Outsource contents valuation to a specialist firm. Reduce revision cycles, improve file accuracy, and protect against over-settlement.
Independent Adjusters
Assign contents files to InPro and receive a complete, carrier-ready schedule — so you can focus on settlement, not spreadsheets.
Restoration Contractors
Submit the photos and lists you already have. InPro handles the inventory and pricing — no valuation experience required.
Legal Counsel
Expert-prepared documentation for appraisal proceedings and litigation. Defensible methodology, traceable sourcing, credible testimony.
Trusted By The Industry
What adjusters and carriers say
"InPro cleaned up a contractor SOL in less than 48 hours that we'd been going back and forth on for weeks. The final schedule was exactly what the carrier needed — clean, sourced, and ready to settle."
SA
Name Withheld
Senior Adjuster · Ontario
"The level of detail in the valuation schedule made the settlement conversation straightforward. Every line was documented, sourced, and defensible. No back-and-forth, no ambiguity."
CM
Name Withheld
Claims Manager · Major Canadian Carrier
"When we needed an expert for an appraisal dispute, InPro was the only call we made. The documentation held up. The methodology was sound. The outcome spoke for itself."
IA
Name Withheld
Independent Adjuster · Canada
Free Educational Resources
Helping insureds navigate the chaos of a contents claim
A contents loss is overwhelming. InPro produces free educational content across social media to help insureds understand their rights, document their losses, and work effectively with their adjusters.
