Bedding and Linens are highly susceptible to damage from smoke, moisture, and biological contaminants. Items like comforters, box springs, and cotton blankets are typically irreplaceable after fire or flood events due to absorbency and health concerns.

Adjusters should consider material type, brand, and original cost when evaluating depreciation. Premium linens and specialty bedding may retain more value than mass-market alternatives, depending on age and usage frequency.

Refer to this category to support claims involving bedroom and hospitality-related contents, ensuring policyholders receive accurate value recovery for foundational comfort items.