Every file — regardless of input quality — follows the same structured methodology from intake to delivery. No shortcuts. No exceptions.
The same process applied whether we receive clean data or a handwritten list — the standard of the output never changes based on the quality of the input.
Your claim file, photos, and supporting documents are received, logged, and assigned to a specialist. We accept any format — Excel, PDF, photos, Word documents, scanned lists, or email threads. Nothing is too disorganized for us to work from.
The raw data is cleaned, restructured, and standardized. Grouped items ("kitchen contents," "bedroom items") are separated into individual, itemized entries. Duplicate entries are flagged. Vague descriptions are researched and clarified. This step is where most contractor-submitted files require significant work.
Every item is assigned a structured category string — category, subcategory, and material type. This classification enables consistent, defensible depreciation treatment and ensures that like items are treated uniformly across the file. Our classification system is carrier-compatible and designed to withstand adjuster review.
Like-kind-and-quality modern equivalents are sourced for each item using our Canada-first hierarchy: major national retailers first (Canadian Tire, Home Depot, Best Buy, IKEA), then specialty vendors, then allowance-based pricing. US sources and discontinued items are not used. Every priced item includes a product URL for verification.
A senior valuation specialist reviews every line of the completed schedule before it leaves InPro. This is not a spot-check — it is a full review. Items are cross-referenced against the claim context (property type, loss type, household profile). Inconsistencies are flagged and resolved. No automated output ships unreviewed.
The completed Schedule of Loss is delivered in carrier-ready Excel format with ACV and RCV per line, structured depreciation, category classifications, and a traceable source link for every priced item. The adjuster receives a file they can use immediately.
Our Schedule of Loss is built for immediate use in claim handling—structured, consistent, and defensible without additional manipulation by the adjuster.
Item descriptions are normalized and clarified where required, ensuring consistency across the file while preserving the original scope provided.
Each item is categorized within a structured framework, with depreciation applied systematically based on item type, age, and expected life—not subjective judgment.
Both values are calculated and shown per line item, enabling immediate use in reserving and settlement without further adjustment.
All pricing is supported by current Canadian market data and internally validated. Source data is retained for audit and dispute resolution, ensuring every value can be substantiated when challenged.
All fields populated. Direct adjuster use — no reformatting required.
Item count, total RCV, total ACV, and depreciation summary by category.
Product URL for every priced item. All Canadian sources.
Human-reviewed. Every file reviewed before it leaves InPro.
Send us whatever you have — we'll take it from there.