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Homeowners Insurance Contents Claim Inventory and Proof of Loss Builder: Room by Room Item List, Replacement Cost vs ACV, Special Limits, Recoverable Depreciation, ALE Log, and Adjuster Follow Up
Organize a homeowners or renters contents claim after a fire, theft, or water loss: a room by room inventory with replacement prices from current listings, special limit checks for jewelry and electronics, how replacement cost and actual cash value play out, a recoverable depreciation plan, an additional living expense log, and a sworn proof of loss checklist.
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Prompt
Act as a property claim consultant who helps homeowners and renters document personal property losses for their insurer: contents inventories, valuation, special limits, and the sworn proof of loss. Inputs: - Loss event: cause, date, claim number, adjuster, and any deadlines in the insurer's letters: [LossEvent] - Policy terms from the declarations and policy: Coverage C limit, replacement cost or ACV settlement, deductible, special limits by category, Coverage D additional living expense: [PolicyTerms] - Room by room notes of what was lost or damaged, with quantity, brand, model, age, and condition where known: [RoomNotes] - Evidence you have: receipts, photos, videos, bank statements, manuals, boxes: [EvidenceList] - Out of pocket costs since the loss (hotel, meals over normal, laundry, mileage): [ALECosts] - Output format: [Format] Generate: 1. A deadline list from LossEvent: proof of loss due date, inventory request date, and the replacement window for recoverable depreciation if the letters give one. 2. An inventory table from RoomNotes: room, item, quantity, brand and model, age, condition before the loss, replacement cost from a current comparable listing the owner must fill in, and the evidence from EvidenceList. 3. Special limit checks from PolicyTerms: group jewelry, watches, firearms, cash, collectibles, and business property, total each, and show where the sublimit caps the payout. 4. A replacement cost vs ACV explanation for this policy: how depreciation is withheld first, what recoverable depreciation means, and what proof of replacement unlocks it. 5. An ALE log from ALECosts that shows only costs above normal living expenses, with receipt status. 6. A sworn proof of loss checklist: time and cause, ownership interests, other insurance, amount claimed by coverage, and attachments. 7. An adjuster follow up message that sends the inventory, asks for the depreciation schedule in writing, and confirms the deadlines. Constraints: - Never invent prices, ages, or items; leave a blank for the owner to fill from real listings or receipts. - Do not inflate or pad the claim; a padded claim can void coverage. - This is organization help, not legal advice; suggest a licensed public adjuster or attorney if the claim is denied or disputed. No em dashes.
Instructions
Replace every [bracket] with your details before running. Works on ChatGPT, Claude, and Gemini.
Generated Output
This image was generated using the prompt above.
Examples
Example Input
LossEvent: kitchen grease fire 09/21/2026, smoke damage through the first floor; claim HO-0000 (placeholder); adjuster letter dated 09/30 asks for a contents inventory within 30 days and a sworn proof of loss within 60 days of the request PolicyTerms: Coverage C $175,000, replacement cost on contents with depreciation held back until replaced, replacement must be within 180 days; $1,000 deductible; special limits: jewelry and watches theft only $1,500, firearms theft $2,500, electronics no sublimit; Coverage D 20% of Coverage A RoomNotes: kitchen: KitchenAid stand mixer (6 years, good), Calphalon pan set 10 piece (4 years), microwave over range (Whirlpool, 8 years), dish set for 8; living room: sectional sofa (smoke, 3 years), 65 inch TV (Samsung, 2 years), area rug 8x10 wool; dining: jewelry box on the sideboard, smoke and soot only EvidenceList: Amazon order history for the mixer and pans, photo of the living room from a 2025 birthday party, sofa receipt in email ALECosts: 9 nights hotel $1,215; restaurant meals $640 vs normal grocery spend about $250 for that period; laundromat $85 Format: deadlines, inventory, special limits, RCV vs ACV, ALE log, proof of loss checklist, adjuster message
Example Output
DEADLINES - Contents inventory: 30 days from 09/30, so 10/30/2026 - Sworn proof of loss: 60 days from 09/30, so 11/29/2026 (confirm in writing) - Replace items to claim held back depreciation: 180 days per policy; ask the adjuster which date starts the clock INVENTORY (owner fills replacement cost from a current listing) | Room | Item | Qty | Brand/model | Age | Condition | Replacement cost | Evidence | | Kitchen | Stand mixer | 1 | KitchenAid | 6 yr | good | ___ | Amazon order | | Kitchen | Pan set, 10 piece | 1 | Calphalon | 4 yr | good | ___ | Amazon order | | Kitchen | Over range microwave | 1 | Whirlpool | 8 yr | ___ | ___ | none yet | | Kitchen | Dish set for 8 | 1 | ___ | ___ | ___ | ___ | none yet | | Living | Sectional sofa | 1 | ___ | 3 yr | ___ | ___ | email receipt | | Living | 65 inch TV | 1 | Samsung | 2 yr | ___ | ___ | 2025 party photo | | Living | Area rug 8x10 wool | 1 | ___ | ___ | ___ | ___ | 2025 party photo | | Dining | Jewelry box contents | ___ | list each piece | ___ | soot | ___ | none yet | Tip: microwave model number is often still on the unit; photograph it before removal. SPECIAL LIMITS - Jewelry: the $1,500 limit applies to theft only. This is smoke damage, so it falls under the full Coverage C limit. List each piece; ask about professional cleaning before replacement. - Electronics: no sublimit, so the TV goes in at full replacement cost. RCV VS ACV ON THIS POLICY The first payment will be actual cash value: replacement cost minus depreciation for age and condition, minus the $1,000 deductible. The depreciation held back is recoverable. You get it after you replace an item within 180 days and send the receipt. Ask for the depreciation schedule so you can check the rates used for each item. ALE LOG | Cost | Amount | Above normal | Receipt | | Hotel, 9 nights | $1,215 | $1,215 | yes, get folio | | Restaurant meals | $640 | $390 (vs $250 normal groceries) | save card statement | | Laundromat | $85 | $85 | ask for receipts | PROOF OF LOSS CHECKLIST - Time and cause: 09/21/2026, kitchen grease fire - Interest: owner occupied, name any mortgage company on the policy - Other insurance: none or list - Amount claimed: Coverage C total from inventory, Coverage D from ALE log - Attachments: inventory, receipts, photos, ALE receipts - Sign before a notary if the form requires it ADJUSTER MESSAGE Hi, attached is our contents inventory for claim HO-0000 and our ALE log through today. Please send the depreciation schedule for each item in writing and confirm two dates: the proof of loss deadline and the start of the 180 day replacement window. Thank you.