Home inventory tracker for an insurance claim that pays

What it does

Insurance claims pay fast when contents are documented with brand, model, serial, photo, and receipt before the loss. They pay slowly — or get depreciated to nothing — when they're reconstructed from memory after a fire or burglary. This skill builds the home inventory spreadsheet for insurance claims an adjuster will accept without a fight. Paste items room by room in whatever shape you have (loose list, photo descriptions, partial CSV, follow-up to a prior session). The skill normalizes everything into a 15-field canonical row, computes RCV from current market replacement cost, calculates ACV using a carrier-aligned depreciation schedule (TV 7yr, fridge 13yr, leather sofa 15yr, MacBook 6yr, Persian rug appraise-only), and flags every item that hits an HO-3 sub-limit before you find out during a claim it was too late to schedule a personal property rider. Outputs as HTML dashboard, CSV, and a Google Sheets formula block with TODAY()-based depreciation that auto-updates each year you open it. Four bundled references do the work: a useful-life depreciation schedule covering 80+ item categories, an HO-3 sub-limits cheatsheet with the categories where Coverage C caps far below replacement value (jewelry capped at $1,500, silverware at $2,500, cash at $200), an adjuster evidence bar covering the four-pillar standard (proof of ownership, value, loss, compliance) and the photo + serial standards that get claims paid at Tier 1 RCV instead of Tier 4 denial, and a worked sample inventory for a 3BR/2BA home showing the canonical schema across living room, bedroom, kitchen, office, and garage. Will never inflate values, fabricate serials, or backdate purchases — those trigger SIU referral and void the claim under the concealment-or-fraud clause.

Frequently asked