For public adjusters
Contents is where the file stalls.
The structure gets settled off an estimate. Contents gets settled off a list somebody has to build by hand, line by line, with an age and a price against each one, and a carrier who will discount whatever nobody documented. Indemnia builds that list out of what your client already has, and shows the arithmetic on every line.
Everyone on your team is included on every plan.
What it does today
What it does on a claim today
Everything below is running now.
- Intake a client's documentation: email receipts, room photos, and scans of the paper that never had an email.
- Produce a schedule with replacement cost, depreciation and actual cash value on every line.
- Attach the source to the line it proves, so a figure can be traced rather than argued.
- Read the carrier's own depreciation schedule and match it line for line against yours.
- Track recoverable depreciation as it is claimed back, so nothing is left on the table.
- Export a proof package with the schedule and the documents behind it.
The arithmetic is shown, not asserted
A schedule a desk adjuster can check is a schedule that survives being checked. Every figure on the page traces back to the document it came from, so a disputed line is a document you open rather than a position you defend.
- Replacement cost, depreciation and ACV per line
- The receipt or photo attached to the line it supports
- Recoverable depreciation tracked against what the carrier has paid
The difference
How a contents schedule goes, on your side of it
Building the list
Without Indemnia
Your client types it from memory, over weeks, and you chase them
With Indemnia
Built from their own receipts, then confirmed
Substantiation
Without Indemnia
Gathered per disputed line, after the carrier pushes back
With Indemnia
Attached to every line from the start
The carrier's schedule
Without Indemnia
Reconciled by hand in a spreadsheet
With Indemnia
Imported and matched line for line
Recoverable depreciation
Without Indemnia
Tracked if somebody remembers to
With Indemnia
Tracked as it is claimed back
Claims you can carry
Without Indemnia
Bounded by how much contents work you can absorb
With Indemnia
Bounded by your review time, not by building the list
| Without Indemnia | With Indemnia | |
|---|---|---|
| Building the list | Your client types it from memory, over weeks, and you chase them | Built from their own receipts, then confirmed |
| Substantiation | Gathered per disputed line, after the carrier pushes back | Attached to every line from the start |
| The carrier's schedule | Reconciled by hand in a spreadsheet | Imported and matched line for line |
| Recoverable depreciation | Tracked if somebody remembers to | Tracked as it is claimed back |
| Claims you can carry | Bounded by how much contents work you can absorb | Bounded by your review time, not by building the list |
Get set up on a live claim
Bring one file you are working now. We'll set it up with you on a call, so you can judge it on a real claim rather than a demo household.
Solo and Firm pricing is on the pricing page. Every person on your team is included on both.