The 2023 Claims Pages Depreciation Guide suggests life expectancy and depreciation rates for individual items in a variety of categories such as appliances, bedding, building materials, clothing, electronics, furniture, HVAC, kitchen equipment, roofing supplies, and so much more. It is downloaded thousands of times every year and is used by hundreds of insurance companies.
  PDF (56KB) Property General Reference

The release form identifies all parties to a claim, states the date and location of the insured event, and details the terms of settlement of a claim. The release contains a statement that, as a condition of the settlement, prevents any further claim or legal action against the insurer for the insured event.
  PDF (25KB) Liability Property Forms P&c

Financial worksheet for calculating a repair estimate, with one column to itemize losses, and 3 columns for replacement cost, depreciation, and actual cash value.
  PDF (63KB) Auto Management & Underwriting Property Forms P&c

Form for digital photo documentation for an adjuster's file.
  DOC (25KB) Auto Liability Property Workers' Compensation Forms P&c

The reservation of rights letter notifies the policyholder that the insurer reserves the right to deny coverage of a claim, in whole or part, pending outcome of a claims investigation.
  DOC (19KB) Auto Liability Property Special Investigations Workers' Compensation Letters

A denial letter used when the value of a claim submitted is determined to be less than the insured's deductible.
  DOC (17KB) Auto Property Letters

This form is used by adjusters to list potentially substantial damaged structures in preparation for possible ICC claims.
  PDF (229KB) Catastrophe Property Forms Flood

A summary of the laws and regulations in each state with regard to whether there is a duty or obligation on the part of a subrogated carrier to reimburse any or all of its insured’s deductible to its insured before it can successfully subrogate or seek reimbursement of its claim payments.
  PDF (93KB) Auto Ocean Marine Property Legal Reference

Daily log to document adjuster activity on a specific claim.
  PDF (26KB) Auto Liability Property Workers' Compensation Forms P&c

Inland Marine Proof of Loss form is a legal document to be completed by an insured in support of a claim.
  PDF (33KB) Property Forms P&c

Form for digital photo documentation for an adjuster's file.
  DOC (28KB) Auto Liability Property Workers' Compensation Forms P&c

The adjuster uses this form to identify potentially responsible third parties and their actions that may have caused worsened flood damage. This includes looking at foundation grading and adequacy of sewer lines.
  PDF (475KB) Catastrophe Property Subrogation Forms Flood

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