Contents claims, in plain words.

A contents claim, often called a personal property claim, is the part of a homeowners or renters insurance claim that covers belongings rather than the building. After a covered loss such as a fire, the insurer usually asks for an itemized list of what was damaged or lost, with enough detail to value each item.

For each item: the room it was in, a clear description, brand, model and serial number where known, how many, its age or purchase date, its condition before the loss, what was paid, what it costs to replace today, and any evidence — photos, receipts, order history or bank statements. A room-by-room order makes the list easier to check.

Usually not. Insurers generally accept other reasonable evidence of ownership and value: photos and videos of the home, online order history, credit card or bank statements, manuals, boxes and the item's remains. Requirements vary by insurer and policy.

Loss of use coverage pays the increase in living costs while a home cannot be lived in — for example a hotel, meals out because there is no working kitchen, or extra mileage. It normally covers the additional cost above normal spending, so keeping dated receipts and the reason each cost was needed matters.

A public adjuster is a licensed professional hired by the policyholder — not by the insurance company — to prepare, document and negotiate an insurance claim, usually for a percentage of the settlement. Licensing rules and fee limits vary by state.

DamagePort documents a property claim the way a public adjuster does. It is web software with a room-by-room contents inventory with photos, purchase-history imports, pricing with like-kind comparables, depreciation and ACV estimates, loss-of-use and funds tracking, documents, the dwelling estimate, and the report or worksheet the carrier asks for. See the product.

Public adjusters running claims, policyholders documenting their own loss, restoration companies and builders working the claim, and carrier adjusters who review the file. The claim owner invites everyone else, and each person sees what their part needs. Who it's for.

It reads the PDF report of an Xactimate dwelling estimate for line-by-line review, and exports the claimed contents lines as a CSV that XactContents can import. It cannot create an Xactimate .ESX file. DamagePort is not affiliated with Xactware.

Yes. It is not tied to a carrier: you can upload a carrier's own blank personal property worksheet and DamagePort fills it from the claim, or hand over the printed contents report or the CSV.

DamagePort runs in the web browser on phones, tablets and computers, with nothing to install. The capture screen is built for a phone in one hand, with a live camera in the page.

With an AI key you bring (Claude, ChatGPT, Gemini, Grok or any OpenAI-compatible service), the AI looks for like-kind, like-quality comparables for a line, and your pricing posture — from conservative to max defensible — chooses which comparable is used. Nothing is saved until a person accepts it, and each priced line keeps a record of how the price was reached.

DamagePort is free for homeowners on their own claims. Professionals pay by the claim - one claim at a time, or a subscription that covers several claims open at once - and never per person: the staff, policyholders, restorers and carrier reviewers they invite are never billed. Prices are announced soon. Pricing.

No. DamagePort is software. It does not sell insurance, adjust claims or give legal advice; your policy and the law in your state decide what is covered.