
Furniture represents a significant portion of many contents claims due to both size and value. This includes bedroom sets, sofas, tables, and even baby and infant furniture. Damage from smoke, fire, and water often makes restoration infeasible.
Depreciation should consider construction materials, craftsmanship, and wear-and-tear. Adjusters should be prepared to distinguish between custom-built and mass-market items.
This guide aids in assessing ACV and RCV during whole-home assessments and detailed inventory reconciliations.