I have submitted a detailed list for one room in the form of a spreadsheet.
My adjuster showed me how they will enter the list into their software. There seemed to be two methods — one a detailed pop up that allows you to drag down through a list of rooms, then drag down to select a category of items, and then free text the name of the item and estimated replacement value.
The method the adjuster is using is “quick add” which allows them to click a check box next to the generic name of an item and indicate the quantity.
This means that although I presented a detailed list that includes links to the purchase website with the price and shipping, each item will be listed as a generic item. Some will be entered as “misc”, all with no price. The system will provide the value based on the generic name and quantity.
In one example item, the generic item value seems to be 40x less than the actual replacement cost that I provided (before applying any depreciation).
I am inquiring further, but if we are allowed in my state to provide a spreadsheet, rather than entering the details ourselves into their software, is it acceptable for them to remove all the distinguishing details and enter items as a generic item name?