07/09/2026
“She thought she was in good hands.”
After a devastating loss, many policyholders assume the first estimate includes everything that should be considered.
On a recent contents claim, the carrier’s estimate showed:
RCV: $66,118.98
ACV: $47,658.56
After PSA reviewed the contents, documentation, and estimate:
RCV: $178,605.64
ACV: $139,109.61
That is more than a $112,000 difference in replacement cost value.
This is why documentation matters.
This is why estimating matters.
This is why reviewing the details matters.
After a fire, storm, water loss, or total loss, do not assume the first estimate is complete just because it came from the carrier.
Public Service Adjusting assists insureds with the insurance claim process when it matters most. 🏠📋