End-to-End Personal Property Claim Services
From the loss site to the settlement table, Digitory Solutions supports every stage of documenting, valuing, and presenting personal property and business-personal-property claims.
Photo Inventory Services
Our inventory specialists capture or review room-by-room photographic evidence and convert it into structured, line-item spreadsheets. Whether we attend the site or coach the insured through remote capture, the result is the same: an organized, searchable inventory ready for valuation.
- On-site and remote-guided capture
- Room-by-room item identification
- Condition, age, and quantity notes
- Export to Excel, PDF, or claim platforms
Sample deliverable — line-item inventory with source links, RCV, and ACV. View full size
Contents Estimation & Valuation
We research replacement cost value (RCV) and actual cash value (ACV) for each line item using current retail and industry pricing data. Every value is substantiated with source links or comparable-item notes so carriers and appraisal panels can trust the numbers.
- RCV and ACV research per item
- Live-source substantiation URLs
- Comparable replacements for discontinued items
- Depreciation methodology aligned to carrier standards
Digitory Remote™
Our flagship remote service lets attorneys and public adjusters submit handwritten lists, dictated audio, or photos for transcription, valuation, and substantiation. A dedicated account manager expedites the file, and you receive a finished digital report.
- Handwritten lists, audio dictation, or photo uploads
- Exclusive remote account manager
- Electronic reports with recap totals
- Fits your existing workflow
Forensic Recreation
After a total loss, families often struggle to remember ordinary household items. We use memory interviews, household profiles, and family-of-items analysis to reconstruct a complete, defensible inventory — even when no receipts or photos survived.
- Memory-based item reconstruction
- Household lifestyle profiling
- “Family of items” inference rules
- Supporting documentation recovery guidance
Appraisal & Dispute Support
We prepare inventory documentation, rebuttal exhibits, and line-item analyses for insurance appraisal panels and disputed contents claims. Our work is formatted to the standards appraisers and umpires expect.
- Appraisal-ready inventory reports
- Line-item dispute analysis
- Rebuttal support for carrier estimates
- Umpire-friendly formatting
Training & Professional Courses
We teach inventory specialists, adjusters, and appraisers how to document personal property accurately, estimate replacement cost, and navigate appraisal procedure. Courses are available online and can be customized for firms or carrier teams.
- Photo inventory methodology
- RCV/ACV estimation and depreciation
- Insurance appraisal procedure
- Custom firm training available