For restoration & pack-out firms and public adjusters
Walk the room. Leave with a schedule of loss you can sign.
Lossworth turns a contents walkthrough into a line-by-line inventory — quantity, replacement cost, depreciation and actual cash value on every item — and exports it as a CSV your Xactimate workflow can consume.
Priced for someone who bills a carrier: $249/mo for a crew, $549/mo for a firm. Cancel anytime, self-serve.
| Reviewed | Item | Qty | Age | RCV | Depr. | ACV |
|---|---|---|---|---|---|---|
| Reviewed | Sectional sofa, 3-piece, fabricLiving room · Furniture · good | 1 | 6y | $2,899.00 | −$1,159.60 | $1,739.40 |
| Reviewed | Smart TV, 65"Living room · Electronics · good | 1 | 3y | $949.00 | −$569.40 | $379.60 |
| Not yet reviewed | Area rug, 8×10, woolLiving room · Rugs & floor coverings · fair | 1 | 9y | $625.00 | −$500.00 | $125.00 |
| Not yet reviewed | Dinner plates, stonewareKitchen · Kitchenware & dishes · good | 12 | 4y | $174.00 | −$58.00 | $116.00 |
| 4 lines · 15 units | $4,647.00 | −$2,287.00 | $2,360.00 | |||
The three shaded columns are computed on the server and cannot be typed into. ACV + depreciation = RCV, on every line and in the total.
Three passes, and the claim is out the door.
The bottleneck on a contents claim has never been the photographs. It is the four hours afterwards, at a kitchen table, typing a spreadsheet that has to survive an adjuster reading it line by line.
- 01
Walk the room
Shoot the contents room by room. Photos upload against the claim and carry their room tag with them, so a bedroom stays a bedroom when the schedule is printed. Lossworth drafts the line items from them — description, category, quantity, apparent age and condition.
- 02
Correct the lines
One dense grid, grouped by room. Fix a description, change a category, bump a quantity, set the age. Every line carries a reviewed checkbox, and the count of what you have not looked at yet sits in the toolbar until it reads zero.
- 03
Export to the carrier
A CSV built for an Xactimate / XactContents workflow: one row per line, quantity, replacement cost, depreciation, actual cash value. Each export is recorded with its row count and totals, so a question six months later is about a specific document.
Why the numbers hold
A schedule of loss is a legal document.
Your name goes on it. So the parts of this product that could embarrass you are the parts that are pinned down hardest.
The model identifies. It never values.
Photo analysis is allowed to say “oak dining table, seats six, looks about ten years old”. It is not allowed to say what that is worth. Every cent is computed on the server by one valuation function, from the category's useful life, the age and the condition.
ACV + depreciation = RCV. Exactly.
Money is stored as integer cents and rounded once, on the depreciation, with actual cash value derived by subtraction. The identity holds on every line and on the total of fourteen hundred of them — which is the first thing an adjuster checks.
Nothing leaves unreviewed.
A line a person has not confirmed cannot go into an export. You are the one signing the schedule of loss; the software's job is to make sure you actually looked at all of it.
The basis belongs to the claim.
Set the claim to RCV or ACV once. On an ACV policy, recoverable depreciation reports as zero, because that basis does not pay it — reporting it anyway overstates what the insured is owed.
Restoration & pack-out firms
Your techs are already photographing every room before the pack-out truck loads. Lossworth turns that pass into the contents inventory you would otherwise build twice — once on a clipboard, once in a spreadsheet at nine at night. The subscription sits on the firm, so a seasonal tech does not walk off with a claim file.
Public adjusters
The contents portion is where a settlement is won or conceded, and it is the portion an insured cannot produce on their own. Show up with a room-by-room schedule, a defensible depreciation rate on every line, and a document the carrier’s desk adjuster can open without asking you to reformat it.
Two plans. Both of them the whole product.
Priced against one contents claim, not against a homeowner’s budget. If Lossworth saves an estimator half a day a month, it has already paid for itself.
Crew
Most firms start here$249per month
A single crew — the techs who walk the loss and the estimator who signs it off.
- Your whole crew on one bill
- Unlimited claims and line items
- Room-by-room review grid
- Server-computed RCV, depreciation and ACV
- Photo-assisted line extraction
- CSV export for an Xactimate / XactContents workflow
- Export history: what left, when, and what it totalled
Firm
$549per month
Several crews, one subscription, one place the claims live.
- Everything in Crew
- Owner, admin and tech roles across the whole firm
- Claims stay with the firm when a tech leaves
Straight answers.
- Does this replace Xactimate?
- No. It gets you to it faster. Lossworth handles the part Xactimate is worst at — building a contents schedule from a walkthrough — and hands you a CSV to bring into your estimate. Structure, scope and pricing stay where they are.
- Who owns the claims if a tech leaves?
- The firm. The subscription belongs to the organisation, not to a person. Remove someone from the crew and they lose access immediately; every claim, photo and line item stays with the firm.
- How is depreciation calculated?
- Straight-line over the category's useful life, aged by the item's condition, and floored at a per-category cap so a working ten-year-old item keeps residual value. The rate is shown on the line, so the arithmetic can be checked by hand.
- Can I use it without the photo analysis?
- Yes. Add lines by hand and the product works exactly the same. Photo analysis is a first draft of the list, not a dependency.
Put your next contents claim through it.
Create an organisation, add your crew, and walk one room. You will know inside an hour whether it earns its place.
Xactimate and XactContents are trademarks of Verisk Analytics, Inc. Lossworth is not affiliated with, endorsed by, or a partner of Verisk. Export compatibility means a CSV those tools can read; see the terms.