Insurance & probate junk removal · Damage contents
Insurance junk removal during restoration follows a defined operational sequence. Water, fire, and smoke damage claims involve specific handoffs. The restoration GC handles the property — drying, structural remediation, smoke mitigation. The contents — furniture, personal property, household goods damaged or destroyed — have their own workflow. Insurance carriers expect specific documentation. Restoration GCs need a contents partner that won't become the bottleneck. JRP plays the contents removal role inside that workflow.
During property damage restoration, contents (the personal property in the home or building) goes through one of three routes: cleanable and restorable contents are pack-out, cleaned, and returned (usually handled by the restoration GC's contents division); valuable but damaged contents are identified for adjuster inspection before disposition decision; and damaged-beyond-restoration contents are removed and disposed under insurance documentation.
JRP's role is the disposal end of the contents workflow — items that have been identified as damaged beyond restoration. The restoration GC and adjuster make that classification call; we execute the removal under the documentation requirements the carrier expects.
Pack-out for cleanable contents is typically handled by the restoration GC's own contents division — companies like Servpro, Belfor, and Servicemaster all have contents handling teams. We don't compete with that work; we handle the disposal scope that runs alongside it.
Most insurance restoration work runs through national or regional restoration GCs. The major nationals are Servpro, Belfor, Servicemaster, Paul Davis, and BluSky. Plus there are strong regional restoration networks (Cotton Holdings, Code Blue, regional independents). Our coordination is with the restoration GC's project manager on each claim.
Standard pattern: the restoration GC arrives at the loss, completes initial assessment with the adjuster, identifies the contents disposition (pack-out, hold for adjuster review, dispose). For dispose-classified contents, we receive a dispatch with the property address, claim number, and contents inventory if available. We schedule against the restoration GC's sequence — typically after structural remediation begins so we're not in their way, sometimes before depending on the loss type.
For master agreements with national restoration GCs, scheduling and pricing are pre-negotiated. The PM dispatches against the master agreement rather than per-claim quoting. For one-off claims with regional restoration companies, we quote per-claim against the project scope.
Insurance contents claims require documentation for carrier billing and claim file. Standard requirements: itemized inventory of contents removed (categories minimum, individual items where applicable), photo documentation before removal, weight or volume tracking for disposal, plus disposal facility records.
For higher-value claims or claims being adjusted carefully, additional documentation: photo documentation of each significant item removed, chain of custody from property to disposal facility, environmental certification of disposal facility (relevant for hazardous-classified contents — mold, sewage, certain fire damage).
Documentation format adapts to the restoration GC's and carrier's preferences. Most large restoration GCs have a standardized claim documentation format we work within rather than imposing ours.
The Institute of Inspection, Cleaning and Restoration Certification (IICRC) sets industry standards for restoration work. IICRC S500 (water damage), S520 (mold), and S700 (fire and smoke) provide protocols that the restoration GC follows; our contents removal aligns with these protocols where they apply to disposal-classified items.
For mold-affected contents specifically (S520), our crews wear appropriate PPE, contain affected materials during transport, and route to facilities with mold-classified disposal capacity. For sewage-contaminated contents (Category 3 water under S500), similar protocols apply with stricter containment requirements.
We don't do drying, antimicrobial treatment, or any restoration work — that's the restoration GC's scope. Our role is removal of items the GC has already classified for disposal.
For master agreements with restoration GCs running multiple claims per month, per-claim tiered pricing is set in the master agreement based on typical loss size (small water loss, moderate fire damage, large CAT loss). The GC dispatches against the master rate; pricing doesn't change per claim unless scope changes materially.
For one-off claims with regional restoration companies, per-claim quoting based on the property scope, contents volume, and any specialty handling (hazmat, biohazard, large-scale CAT response). Pricing is structured to align with carrier billing patterns the restoration GC uses.
Frequently asked
For some, yes; for others, we work on a per-claim basis. We can establish master agreements with restoration GCs running consistent volume in our coverage areas. Master agreement structure includes pre-negotiated per-claim tiered pricing, standardized documentation format, and dispatch protocols. We're flexible on master agreement terms because restoration GCs each have their own preferred structures.
Under IICRC S520 and S500 protocols. Mold-affected contents get appropriate PPE, containment during transport, and disposal at facilities with mold-classified capacity. Sewage-contaminated contents (Category 3 water) follow stricter containment with disposal at appropriate biohazard-classified facilities. We coordinate with your project on the specific protocol; we don't default to one approach.
No, that's typically handled by the restoration GC's own contents division. Servpro Contents, Belfor Contents, Servicemaster Restore Contents — all major restoration GCs have dedicated contents divisions handling pack-out, cleaning, and return. We handle the disposal scope alongside, not the pack-out scope.
Per-claim documentation packet at project close: itemized inventory of contents disposed, photo documentation, weight or volume tracking, disposal facility records. Format adapts to your standard claim documentation structure rather than imposing ours. For master agreement partners, we set up the documentation format at master agreement execution.
Yes. CAT response capacity is structured into how we operate — we pre-stage capacity for predictable CAT seasons (Atlantic hurricane season, regional flooding patterns) and surge into affected areas as restoration GCs deploy. CAT pricing typically runs at premium per-claim rates given the deployment economics; this is industry standard rather than us imposing surge pricing.
Coverage across 49 US states through the LoadUp Technologies marketplace. We do not currently service New Jersey for this type of work. For restoration GCs working a multi-state event that includes NJ, the NJ portion needs different vendor coverage — most restoration GCs handle this through their broader vendor network without issue.
Restoration company name, claim volume per month, geographic coverage needs, and your typical loss profile (water, fire, smoke, mixed). Our restoration accounts team handles these directly and gets back to you within one business day.
Insurance & probate · Damage contents