Pack-out process
- Restoration contractor inventories and removes contents
- Cleanable items go to facility for ozone / ultrasonic / thermal fogging
- Non-cleanable items documented for replacement
- Contents storage for duration of rebuild
- Return and placement after restoration
Inventory standards
Room-by-room organization
- Each room documented separately
- Closets, cabinets, drawers opened and inventoried
- Photo of each item or item group
- Condition noted (affected / unaffected / destroyed)
Item-level detail
- Category (furniture, electronics, clothing, etc.)
- Brand and model where identifiable
- Age estimate
- Original purchase cost (if available)
- Replacement cost (current market)
Documentation support
- Receipts for higher-value items
- Photos from prior to loss (family gatherings, social media)
- Insurance appraisals for scheduled items
- Manufacturer records (electronics serial numbers)
Common contents disputes
- Depreciation aggression: generic schedules overdeplete
- Actual Cash Value vs. Replacement Cost: RCV holdback tracking
- Sublimits applied: jewelry, firearms, business property
- Schedule requirements: high-value items unscheduled
- "Smoke cleanable" attribution when replacement warranted
How Ocean Point manages contents
- Retain contents-specialty restoration contractor
- Build detailed itemized inventory
- Research replacement costs
- Apply appropriate depreciation (not carrier schedules)
- Track RCV holdback releases against repair completion
- Dispute generic valuations with specific evidence