For public adjusters

Build the contents list your client never made

Most homeowners never inventory what they own, so the list is yours to build. ClaimTime turns your claim photos into a priced, room-by-room contents inventory with a source behind every price, and brings your client in to help.

Contents is the slow part of every claim you take

California's insurance department has called it "the monumental task of identifying every item" (2020). For a public adjuster that task lands on your desk, item by item, before the claim can move.

The manual way

  • Photograph every item, then type each one into a spreadsheet at night.
  • Research a replacement price for every line, one browser tab at a time.
  • Rebuild lines when the carrier asks where a price came from.
  • Chase your client for receipts and photos by text and email.

With ClaimTime

  • Each photo becomes a drafted line: title, description, category and quantity, filed in its room.
  • Up to three new-retail listings per item, each with its retailer, price and a link you can open.
  • The source is already on the line when a price is questioned. Switch listings or set your own.
  • Your client uploads receipts, photos and documents in the portal, and you approve them into rooms.

What's at stake in a contents claim

Published figures on homeowners, coverage and public adjusters. They describe the market and the work, not ClaimTime's results.

  • 47% of homeowners say they prepared an inventory of their possessions (Most clients arrive without a list. Building it is the work.) [1]
  • 50–70% of the dwelling limit: what most homeowners policies insure for belongings (Contents is often a large share of what the policy covers.) [2]
  • 20% Florida's cap on a public adjuster's fee (10% for claims in the year after a declared emergency. Your fee is a share of what the claim recovers.) [3]
  • $9,379 vs $1,391 median payment on non-catastrophe claims with and without a public adjuster (Florida Citizens claims, 2008–09. Payments are before the adjuster's fee, and medians aren't adjusted for loss size.) [4]

Fee caps differ by state: Texas caps public adjuster fees at 10% and New York at 12.5%, while California sets no explicit cap. Check your state's rules.

What the contents work costs you each month

Set your own numbers: claims a month, items per claim, how long a line takes you today and how long you'd spend reviewing a drafted one. The result is your estimate, not a promise.

Every price comes with its evidence

ClaimTime looks for a current, new-retail listing for each item: never used, refurbished or resale. The line keeps up to three listings, each with its retailer, price and a link anyone can open.

When a carrier pushes back, the answer is already on the line. Pick another listing, or type your own price and source link. Your edits stay through re-analysis unless you choose to overwrite them.

Your client uploads, you decide what goes in

Invite your client to the policyholder portal with an email and an access code. They can upload receipts, item photos and documents from their phone or computer, suggest corrections to an item, message you and sign what you send.

Nothing changes your inventory on its own: uploads wait for you to approve them into a room, and suggested edits wait for your decision. Every message stays on the claim.

  • Uploads and edits wait for your approval
  • Messages kept with the claim
  • See Portals

Contracts and letters stay with the claim

Keep the policy, carrier letters, receipts and your agreements in the claim's document library, and request e-signatures from your client or the carrier without leaving the claim.

Each signed PDF gets an audit page with the signer, the time and a fingerprint of the document, and the library shows what's waiting for a signature.

Send a file the carrier can follow

Export the reviewed inventory as an Excel workbook or an HTML claim report, or build a claim package: one combined PDF and one Excel file with the claim summary, contents by room, floor plans, a photos appendix and signed documents.

Every line carries its quantity, price, source and, once you apply it, depreciation and ACV. Exporting uses no Time Tokens.

  • Claim package: one PDF and one Excel file
  • Sources and totals on every line
  • See Reports & exports

Questions from public adjusters

Can I try it on a real claim first?

Yes. A free account comes with 50 starter Time Tokens, enough for 50 photo analyses, and needs no card.

How is usage charged?

Each photo analysis uses 1 Time Token, at your plan's rate. Exports and the portal use none. See pricing.

My client already made a list. Can I use it?

Yes. Upload their spreadsheet or PDF and each line becomes an item in the claim, priced like a photo, for 1 Time Token per line.

Is the policyholder portal in every plan?

The policyholder and carrier portals are part of Pro. The pricing page lists what each plan includes.

Do I still need a full inventory after a California wildfire?

Since January 2026, after a declared-emergency total loss in California, insurers must pay 60% of the contents limit, up to $350,000, without requiring an itemized inventory for at least 100 days. Recovering more than that generally still means documenting the contents.

Does it work at the loss site?

Yes. ClaimTime runs in your phone's browser, camera included, and the ClaimTime iPhone app scans rooms for measurements. See Sketch & room scans.

Keep exploring

  • AI replacement cost pricing: Up to three new-retail sources per item, with product photos and links.
  • Portals: Policyholders and carriers upload, message and sign inside the claim.
  • Reports & exports: An Excel workbook, an HTML claim report and a combined claim package.

Sources

  1. Insurance Information Institute, Facts + Statistics: Homeowners and renters insurance (Triple-I/Munich Re Consumer Survey, 2023). https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  2. Insurance Information Institute, How much homeowners insurance do I need? https://www.iii.org/article/how-much-homeowners-insurance-do-i-need
  3. Florida Statutes §626.854(11), Public adjuster compensation (2026). Texas: Tex. Ins. Code §4102.104 (10%). New York: 11 NYCRR §25.7 (12.5%). http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.854.html
  4. Florida Legislature, OPPAGA Report 10-06: Citizens Property Insurance claims and public adjuster involvement (January 2010). https://oppaga.fl.gov/Documents/Reports/10-06.pdf
  5. California Department of Insurance, Notice: Personal property (contents) coverage for wildfire claims (October 2, 2020). https://www.insurance.ca.gov/0250-insurers/0300-insurers/0200-bulletins/bulletin-notices-commiss-opinion/upload/Notice-Personal-Property-Contents-Coverage-for-Wildfire-Claims.pdf
  6. California Department of Insurance, press release on SB 495 contents payments without an inventory (October 2025). https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release067-2025.cfm
  7. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, 13-1031 Claims Adjusters, Examiners, and Investigators (May 2025): median wage $37.50 an hour (calculator default). https://www.bls.gov/oes/current/oes131031.htm