Simple, Transparent Contents Claim Pricing
No hidden fees. No subscriptions for reports. Two simple steps per report — you always see your numbers before you pay to download.
Simple, Two-Step Pricing
Every report stage works the same way. First a flat $15 processing fee reveals your exact item counts and dollar amounts. Then, only if you want the downloadable report, you pay the report fee. No plans to choose, no back-end fees, no signatures.
Estimated recoverable value range and item-count range. No card required.
Reveals exact amounts and counts. One-time and non-refundable.
Once your numbers are revealed, your exact report price is displayed before you pay anything more.
Applicable state sales tax is added at checkout and shown before you pay.
Insurance Adjusters & PA Firms
Handling multiple claims? Contact us for custom volume pricing tailored to your firm.
partners@contentsclaims.comHow Pricing Works
Four report stages, each building on the previous
Free Contents Claim Preview
See what we can find in your email purchase history before you pay anything
You get:
- ✓ Estimated item count range
- ✓ Estimated total value range
- ✓ No credit card required
Stage 1a: Full Claims Analysis
See your complete claim value and top 50 items
You get:
- ✓ Proprietary insurance claims engine extracts every order from your email history
- ✓ Exact item count, descriptions, and original prices
- ✓ Total claim value with sales tax per ZIP code
- ✓ Your top 50 highest-value items displayed at no extra charge
Stage 1b: Download Full HCV (Historical Cost Value) Report
Complete line-by-line personal property claim inventory with proof of ownership
You get:
- ✓ Full CSV report with every item, price, date, and retailer
- ✓ Professional format ready for insurance submission
- ✓ Submit directly to your adjuster for review
- ✓ Report pricing shown after you see your full results
Stage 2: Final HCV — Complete Historical Cost Value
Add offline receipts, jewelry appraisals, and art valuations
You get:
- ✓ Upload offline receipts, jewelry appraisals, and art valuations
- ✓ Merged report combining all sources for maximum claim value
- ✓ Exact report price shown after your results, before you pay
Stage 3: RCV — Replacement Cost Value
What it costs to replace each item today
You get:
- ✓ $15 processing fee unlocks live market pricing
- ✓ Current replacement price for every item via Google Shopping
- ✓ Exact report price shown after your results, before you pay
- ✓ Maximizes your insurance payout
Stage 4: ACV — Actual Cash Value
Current replacement cost minus depreciation — what most insurers pay first
You get:
- ✓ $15 processing fee reveals your ACV amounts first
- ✓ Depreciation calculated by item category and age
- ✓ ACV value for each item based on current replacement cost (RCV), not original purchase price
- ✓ Full depreciation schedule for adjuster review
- ✓ Line-by-line breakdown your adjuster can accept or dispute item by item
Founder's claim: Even with $169,784 in depreciation applied to current replacement-cost values, the claim was still paid to the full policy limit. That's not always the case — which is exactly why having an ACV schedule based on current replacement cost, not memory or guesswork, is critical.
Important: Some policies only pay ACV and do not include replacement cost coverage for contents. If your policy is ACV-only, this report gives your adjuster a documented, line-by-line depreciation schedule to work from — rather than leaving those calculations entirely to the insurer's discretion. Have your adjuster review every line.
What's at Stake
Most people don't realize how much documented purchase history they have. Before you pay anything, the free preview gives you an estimate.
Modest Claim
$150K
Documented purchase history found
You see this before choosing a report.
Report pricing shown at that point.
Average Claim
$450K
Documented purchase history found
You see this before choosing a report.
Report pricing shown at that point.
Large Claim
$750K
Documented purchase history found
You see this before choosing a report.
Report pricing shown at that point.
Start with a free preview — see your estimated value before you pay anything.
My Own Claim
Onsite Company Found:
$345,967
ContentsClaims Documented:
$749,267+
Policy Limit:
$597,338
Insurance Paid:
$597,338 ✓
What I Paid:
I recovered an additional:
$251,371
The report fee was a fraction of what I recovered.
Pricing FAQs
How is report pricing determined?
HCV, Final HCV and RCV report pricing scales with the value we document for you; the ACV report is a flat fee. Your exact price is shown after the $15 processing fee for that stage, before you pay anything more.
Can my adjuster pay for me?
Yes. The platform allows either you or your adjuster to pay any fee. Many adjusters pay the report fee and add it to their final invoice since it increases the claim value.
What if I can't afford to pay upfront?
The free preview shows you estimated value before you pay anything. If you're working with a public adjuster, they may pay on your behalf since they benefit from a higher claim.
Are there any other fees?
Stage 1: HCV (Historical Cost Value) is the only required stage. Each stage you choose has its own $15 processing fee plus its report fee, and applicable sales tax is shown before you pay. Stages 2–4 — Final HCV (Historical Cost Value), RCV (Replacement Cost Value), and ACV (Actual Cash Value) — are optional and build on your Stage 1 report. Most homeowners use Stage 1 + Stage 3: RCV (Replacement Cost Value) to maximize their recovery.
What if ContentsClaims doesn't find much?
You see the free preview first — before paying anything. If it shows low item counts or a value that doesn't justify moving forward, you walk away. You're only out your time. The free preview is there so you can make that call before spending $15.
Can I get a refund?
The $15 processing fee is non-refundable — it is a system access and resource fee required to run your analysis. Report fees are also final once your report is delivered, because it is a digital service. You see your complete results and the exact report price before paying any report fee, so if the numbers don't justify moving forward, you're only out $15.
Start With a Free Preview
See what we can find before you pay anything. No credit card required.
Get Free Preview