Loss report
The list you send your insurer of what you lost and what it was worth.
What it means for your money
This is the document the settlement is built from. Anything not on it is not being valued, and in practice not being paid — the insurer is working from your list, not from your memory of the room.
Detail per line is what makes it hold up: what the item was, when you bought it, what it cost, and anything that proves you owned it. A line reading 'kitchen items — $2,000' invites a single round number back.
Where the number comes from
You build it. Some carriers supply a spreadsheet template, some accept your own format, and a public adjuster will usually produce it on your behalf.
See the difference detail makes on one line
- Vague line
- Kitchen items — $2,000
- Specific line
- KitchenAid stand mixer, bought Mar 2020, $380, receipt attached
The second line can be checked, so it tends to be accepted as written. The first can only be negotiated, because there is nothing in it to verify.
Loss report sits next to reconciliation, replacement cost and peril. They tend to arrive together.
Indemnia builds the itemized list this all gets applied to, with the receipt attached to the line it proves. See how it works.