Books and Reference Materials often hold both sentimental and intellectual value. While most mass-market fiction and nonfiction depreciate quickly, specialized reference materials and professional libraries may require more thoughtful evaluation during claims handling.

Moisture, mold, and smoke damage can render books unrecoverable, especially in large-loss fire or water claims. Policyholders may underestimate their collection's value, so adjusters should use this category to ensure thorough documentation.

This guide aids in quantifying library losses—personal, educational, or occupational—and aligning reimbursement with market-standard depreciation.