How it Works
Contents Crew, Inc. offers complete pack-out and pack-back services after disasters such as fire or water damage inside a home or business.
When disaster strikes, damage can spread rapidly. It is crucial that the contents be removed as quickly as possible to minimize or prevent further damage. Our professionals are trained to handle items with care from the initial on-site assessment through packing, transporting, storage, and their safe return.
All jobs are welcome no matter the size. We are prepared to handle any job, whether it is a single room or an entire showroom.
Damage to an item may be extensive and we recommend against the restoration of certain items for some of the following reasons:
Related to Loss: Item sustained irreparable damage from water or fire such as warping, melting, scorching, charring, etc.
Pre-existing Damage: Item may be in frail or weak condition and will not withstand the necessary restoration processes. We avoid causing further damage to these items by classifying them as non-restorable.
Not Cost Effective to Restore: Sometimes the age, condition or value of an item is estimated to be less than the cost of restoration.
- Our trained contents crews will evaluate the damaged items and cleanability, then recommend what should be restored and what should not.
- Policyholder should provide any receipts for any items on NR list to insurance carrier for the RCV – Replacement Cost Value.
Choosing to restore, replace or cash out contents after a loss
When confronting the devastation and damages caused after a fire or water loss, it may be difficult to decide what happens next.
Policyholders often assume they will be allowed to replace all possessions after a loss. However, the duty of the insurance carrier is to cover the insured within the limits of coverage provided by the policy.
Restore or replace?
- The first responsibility of the carrier is to restore items. If it cannot be restored, it must be replaced. It is not always a straightforward matter to separate salvage from non-salvage.
- In many cases, the opinion of a specialist is required, and it may only be by attempting to restore an item that a final decision can be made.
- Many items once considered beyond repair can now be restored to near perfect condition, but it may not be cost effective or desirable.
- In contrast, there may be low-value items with significant sentimental value for which cleaning and restoring is a high priority.
Cashing out - Can be hit or miss.
- Policyholders may initially be delighted to see the size of the payout offered. However, replacing all items costs a great deal more than expected. Studies show the cash-out amount is 15-25% of replacement, which can lead to buyer’s remorse.
- Other times, it can certainly be a better deal. It is important to manage the expectations of all parties with full transparency when deciding next steps.