Contents Documentation Layer · For Serious Claim Teams

Most claim value isn't lost at the negotiation table. It's lost in the documentation.

ScanNest turns photos, partial inventories, spreadsheets, and claim files into structured, priced, defensible contents documentation. We plug into your workflow at any stage — built for high-volume public adjusters, attorneys, and serious claim teams.

Read the thesis
1,000+
Claims documented
Line-item
Schedule of loss · LKQ-aligned
48h
From file to deliverable
Plug-in
At any stage of the claim
Calabasas · California
Scroll to see it work
§ 01 · The reframe

You don't negotiate stronger claims. You document them.

The strongest claim teams already know how to negotiate. The work isn't in the room — it's in what arrives at the room. The ceiling of any claim is set long before anyone sits down to argue the number, in the layer most firms still treat as administrative work: contents documentation.

i.

The claim's ceiling is set upstream.

Negotiation is downstream of documentation. Every item that wasn't captured, every description that was generic, every price that wasn't supported — those were decisions made before anyone sat at the table. The number you're negotiating toward already has an invisible cap.

ii.

Every item. Every description. Every price.

Contents work depends on tired human attention, time pressure, and inconsistent judgment across hundreds of photos. Detail gets missed. Pricing gets generic. The schedule of loss reflects the team's bandwidth on a Tuesday afternoon — not the actual loss.

iii.

Documentation is a value layer.

The best firms don't treat contents pricing and itemization as commodity admin. This is where claim recovery is built or lost. Defensible documentation reduces friction, shortens disputes, and supports the loss your client actually suffered.

01 / 06 cinematic
4× Wingback chair$16,700
Mahogany side table$3,800
Sonos · 4-speaker set$876
12× Vinyl albums$599.88
8× Brass candle holders$464
4× Salamandre pillows$1,196
I.The room before the file

By the time you're at the table, the ceiling is already set.

Negotiation is downstream of documentation. Every item that wasn't captured, every description that was generic, every price that wasn't supported — those decisions were made long before anyone sat down to argue the number.

II.The loss event

Fire. Water. Total loss.

Your client's memory of what was here is now up against their carrier's six-month-old pricing tables. That's not a fair fight — unless the documentation arrives ready.

III.The counter-move

ScanNest arrives.

FAA-certified drones. 3D laser scanning. On-site in 48 hours. Or: send us the photos, the spreadsheet, the half-built file. Either way, the documentation lands defensible.

IV.The inventory layer

Every item. Every description. Every price.

This is the layer most firms treat as admin work. It's where the claim's ceiling actually gets set. Photos become rooms. Rooms become items. Items become line-items — described, priced, defensible.

V.Schedule of loss

Documented, not guessed.

Like Kind & Quality pricing. Line-item structure. Digital chain of custody. The number that holds up — long before anyone sits down to negotiate it.

Documented value · this room
$0
Schedule of Loss · SN-2026 · Living Room · 32 line-items
LKQ · Defensible
Qty Item description & source Unit Rep cost
2
Rugs — Seafoam green wool 11×14, custom Harlequin pattern
BestRugPlaceURL verified
$12,500
$25,000.00
4
Chair — Occasional wingback, Cisco Home Furnishings
Urban Natural HomeURL verified
$4,175
$16,700.00
1
Tables — Side, Mahogany drop-leaf dining table, heirloom
Showrooms2220URL verified
$3,800
$3,800.00
4
Throw pillows — Salamandre Tibetan leopard
Williams-SonomaURL verified
$299
$1,196.00
1
Stereo system — Sonos speakers, set of 4
CrutchfieldURL verified
$876
$876.00
12
Vinyl — Vintage albums (orig qty: 200, partial-recovery)
SpenCertifiedURL verified
$49.99
$599.88
8
Candle holders — Lilly's enameled, brass on marble
HeirloomedURL verified
$58
$464.00
25
+ 25 additional line-items · drapes, lamps, fireplace tools, planters, photographs, vases, books, decor
Each individually itemized · sourced · LKQ-priced
$14,916.94
Living Room · subtotal
$63,552.82
Real claim · 1 of ~30 rooms documented · grand total $1,138,656.87
§

The documentation sets the ceiling.

Negotiation can only go as far as the documentation supports. Every item, every description, every price — long before anyone sits down to argue the number. Here's what the layer actually looks like.

The documentation layer

One layer. Every piece of the file.

Most platforms cover one row. ScanNest is the only one that ships the whole stack as a single deliverable — capture, inventory, valuation, and aerial — claim-ready and defensible.

01 · Contents + Pricing
Schedule of Loss
Photos turned into line-item documentation. Every item identified, described, and priced to Like Kind & Quality — with an unbroken digital chain of custody.
Line-item LKQ pricing Chain of custody
02 · 3D Capture
Pre + Post-Loss Capture
Measurement-grade 3D capture in two windows — preventive pre-loss documentation for high-value homes, and post-loss / pre-mitigation scans that lock in the damage state before restoration crews touch the site. Either way, the evidentiary record is preserved.
Pre-loss baseline Post-loss capture Pre-mitigation
03 · Walkthroughs
Remote Review
Adjusters, counsel, and contractors walk the site without travel. Hotspots, embedded notes, and layered measurements turn the scan into an evidentiary tool — not just a photo gallery.
Counsel-ready Shareable No travel
04 · Aerial
FNOL Aerial
FAA-certified drone capture from First Notice of Loss forward. Roofs, perimeters, large lots, and disaster zones — the angles desk-adjusters and counsel can't see from the ground.
FNOL onward FAA pilots CAT-zone capable
§

Photos. Inventories. Spreadsheets. Files. We plug in at any stage.

It doesn't matter where the claim sits when it hits our desk. Raw scene photos from day one, a partial inventory the team started, a spreadsheet someone half-built, a file that needs cleanup before mediation — same destination, same standard.

§ 04 · The workflow

We plug in at any stage.

It doesn't matter where the claim sits when it hits our desk. Raw scene photos from day one. A partial inventory the team started. A spreadsheet someone half-built. A file that needs cleanup before mediation. Same destination, same standard.

01
Raw scene photos
02
Partial inventory
03
Half-built spreadsheet
04
Mid-claim file
05
Pre-mediation cleanup
→ One deliverable standard

A structured, priced, defensible schedule of loss.

  • Line-item itemization, room-organized
  • Like Kind & Quality pricing
  • Photographic linkage per item
  • Digital chain of custody
  • Court-grade, mediation-ready
§ 05 · Who we serve

Built for serious operators.

ScanNest is the documentation layer for teams running real claim volume. Not solo, not occasional, not price-shopping. If you're already negotiating the claims your firm cares about, your documentation should match.

i.
Public adjusters & insurance carriers

PA firms running real claim volume, and carrier-side desk teams who need the same line-item documentation discipline on the inbound side. Both sides of the table use the same record — LKQ-aligned pricing, full chain of custody, defensible across mediation and review.

Best fit signals Multi-adjuster team · CAT-zone exposure · claims at $150k+ · contents specialist on staff or outsourced
ii.
Attorneys & mass tort firms

Plaintiffs' counsel on first-party property cases, bad-faith litigation, and CAT-zone mass tort actions. Court-grade documentation in front of mediators, arbitrators, and juries — line-item structure, defensible methodology, full chain of custody. The file that holds up under cross-examination.

Best fit signals Bad-faith / coverage practice · mass tort lead counsel · matters at $500k+ · expert-witness experience · pre-mediation cleanup
iii.
Disaster restoration companies

Restoration contractors and packout crews who need pre-mitigation scans locked in before the site is touched — protecting the homeowner's claim and the contractor's defensible-billing trail at the same time. Co-deliverable workflows for restoration partners on shared CAT response.

Best fit signals Pre-mitigation scan locking · packout chain of custody · co-delivered files · CAT-response volume · contents division on staff
Honest filter ScanNest isn't built for solo adjusters running one or two claims a year, or for firms shopping the lowest per-room price. The bundle is priced for operators who already understand documentation as a strategic layer — not as a line-item to compress.
The Ask

You don't negotiate stronger claims. You document them.

30 minutes. We walk your team through the workflow, the deliverable, and where ScanNest plugs into the claims you're already running. No slides. No filler.

Call 310-294-6795
1,000+
Claims documented
48h
From file to deliverable
Line-item
LKQ-aligned schedule of loss
Plug-in
At any stage of the claim

Questions we get from serious operators.

Public adjusters, attorneys, and restoration companies — answered straight.

What is a schedule of loss and why does it matter for my claim?

A schedule of loss is a line-item inventory of every damaged or destroyed piece of contents — each item described, categorized, and priced at like-kind-and-quality (LKQ) replacement value. The schedule is what sets the ceiling on your claim settlement. Carriers use their own version to cap payouts; your version, if it's thorough and defensible, is what pushes that number up. A vague or incomplete inventory leaves money on the table. ScanNest produces court-ready, LKQ-aligned schedules of loss with AI-assisted identification and human verification on every line.

How fast can ScanNest document a property after a fire or disaster?

Standard turnaround is 48 hours from the time we receive your photos, videos, or access to the site. For active CAT claims — wildfires, flood events, major losses — we offer same-day triage and emergency documentation review. We're built for high-volume and time-sensitive situations: if you have a mediation deadline or a carrier demanding documentation, call us directly. We don't run on 3-day reply cycles.

Do you work with public adjusters on active fire and water damage claims?

Yes — this is a significant part of what we do. We plug in at any stage of the claim: pre-inspection, mid-negotiation, or before an appraisal hearing. We produce the structured, priced inventory your carrier is expecting. We work with PAs handling individual losses and firms managing CAT overflow across dozens of simultaneous files. If you need capacity, speed, and documentation that holds up at the table, that's what we're built for.

Can ScanNest documentation be used in litigation, mediation, or bad-faith proceedings?

Yes. Our documentation is specifically designed to be court-defensible. That means clear chain of custody, timestamped records, sourced pricing (not guesses), and a format that holds up under cross-examination or deposition. We work with plaintiff attorneys, mass tort firms, and coverage counsel who need exhibits that can go directly into mediation or trial. If you're building a bad-faith case or heading to appraisal, what matters is that your inventory is unimpeachable — ours is.

What areas do you serve? Do you cover the Eaton Fire, Palisades Fire, and LA disaster zones?

We're based in Los Angeles and have worked claims across the Palisades Fire, Eaton Fire, Malibu, Altadena, Topanga, Hidden Hills, and other recent California disaster zones. We also serve claims statewide — including Northern California fire losses, San Diego flood events, and Oregon wildfire claims. Our process is documentation-first, not geography-first: we work from photos, video walkthroughs, and remote access for properties that aren't safe to enter, then verify on-site when access opens.

What's the difference between ScanNest's schedule of loss and what the carrier produces?

The carrier's estimate is designed to minimize payout. Their adjusters are trained to undercount, use depreciated values, and exclude items that weren't explicitly documented. Our schedule is built to capture everything — every room, every item, every category — at actual LKQ replacement cost. In a disputed claim, the difference between a carrier estimate and a thorough ScanNest schedule routinely runs six figures. The documentation ceiling is set upstream, before negotiation starts. That's the point.

Can you handle high-volume or CAT overflow for large claim operations?

Yes. We work with claim teams managing anywhere from a handful of files to hundreds of simultaneous CAT losses. We offer bulk capacity agreements, consistent turnaround SLAs, and uniform documentation format across your entire portfolio — so every file looks the same and holds up the same way. If you're a restoration company, a large PA firm, or a carrier handling catastrophic event overflow, let's talk volume pricing and dedicated capacity.

How does chain of custody work for property documentation?

Chain of custody means every piece of your documentation has a traceable origin — who collected it, when, how, and under what conditions. For contents claims, that means timestamped photos, verified inventory against the physical record, and a documented methodology. This matters most when a claim goes to litigation or appraisal: if opposing counsel challenges your evidence, chain of custody is what makes it stand up. We build it in from the start, not as an afterthought.

Do you support restoration companies with pre-mitigation scans and packout documentation?

Yes. For restoration partners, we provide pre-mitigation condition documentation (essential for defending your scope of work), packout inventories with condition notes, and co-deliverables that align with your billing. We integrate into your claim workflow — not around it. If you're managing a packout and need a defensible inventory that supports the carrier file and protects your invoice, that's a standard part of what we do.

What do I need to send to get started on a claim?

The simplest starting point: photos or video of the loss. A basic walkthrough — room by room, contents visible — is enough to start building the inventory. From there we identify what we need: room dimensions, any prior receipts or records if available, carrier correspondence if the claim is active. You don't need everything organized before you reach out. We've worked total losses where the only documentation was a 10-minute phone video. Send what you have — we'll tell you what else we need.