What Do You Have To Lose?
Encina specializes in creating and preserving a careful, neutral record of what’s in your home or property, so in the event of a catastrophic loss, you’ve got the independently verifiable facts you’ll need on your road to recovery.
We do this by documenting household contents before loss and stewarding those records independently and securely, ensuring a defensible, verifiable record property owners can rely on.
We bring experience, professionalism, and respect for your security and privacy right to your door.
What You Don’t Know Can Hurt You.
You’d never know unless you’d been through it before, or know someone who has.
In the event of a major loss, the worst part isn’t the event itself, or even the magnitude of what you’ve lost – all the things that make your house home – hitting you like a truck. It’s what happens afterward that can traumatize even the most resilient of homeowners.
It’s standing in a pile of soggy and/or smouldering rubble with your ear to your phone, as your insurer explains that if you can’t immediately prove the true value and ownership of your belongings, they will happily do it for you. So you need to make a list, with price paid, make/model/serial numbers, and any photos or videos you can scrounge up, as proof of everything you once owned, so they can spend several weeks using their black-box software to calculate the value of your home’s contents. Only then can they send a check that you needed yesterday.
The real shock comes when property owners find out that number doesn’t always reflect reality. Most are already exhausted and overwhelmed by their loss, and now, frankly, afraid of what comes next.
The good news is, with a little planning, you can avoid the worst of the what-comes-next.
What’s A Verified Home Contents Inventory
(and why do I need one)?
It preserves all the facts – before you need them.
1
We’ve been there ourselves with lots of folks just like you: everybody knows they need to do this, but…most people haven’t. We make sure you’ve got it done before a crisis arrives.
We make documenting your property simple and quick.
2
The reality of this task isn’t as simple as pulling your phone out of your pocket, or you’d have done it already! Most people just don’t understand the expectations, what’s important, or where to start. That’s okay – we do.
We don’t decide outcomes, we preserve reliable facts.
3
We can’t guarantee the amount of your settlement payment, but we know from experience that careful documenting helps reduce uncertainty and long waits to be properly compensated according to your policy for what you’ve lost.
Memory fails under stress; preserved evidence does not.
4
Losses are stressful enough without spending hours squinting at your camera roll, trying to remember all the books, number of teacups, or model of toaster you owned, all before the end of the week. Good documentation means you won’t have to.
We hate to bring it up, but the proliferation of generative technology tools means that insurers are going to question the authenticity of every line, frame, and pixel. Our solution ensures your facts in evidence are true and complete, and we’ll provide you with a verifiable chain-of-custody to prove it.
We promise to support your claim.
5
Records should survive the loss of the property itself.
6
Of course we’ll give you a physical record you can keep with you. We store your record securely offsite, where it can’t be altered, and its chain of custody is provable.
We preserve what can be seen, enabling owners to add what only they know.
7
Should the worst happen, we’ll be there to review your record with you and help ensure an accurate and up-to-date ledger you can confidently share with your insurer or independent adjuster.
Good records don’t eliminate hardship, but they can prevent avoidable harm.
8
A catastrophic loss is enough of an ordeal without a bunch of tedious work, frustration, and waiting around afterward. Making the most of the time you have now to prepare means you’ll have far less of it to do later, letting you focus on recovery.
We know it's hard to commit to something you've never seen before. Here's a sample of the kind of report we produce — a room-by-room contents ledger with documentation of every item we find. It's the same format we deliver to every client, ready to support a claim or simply to give you peace of mind.
See What You’ll Get
How does it work?
Estimates &
Scheduling
Together, we outline a path forward that’s realistic and tailored to your specific needs, usually over the phone. The cost for most clients is well below their home insurance deductible.
Video & Audio Documentation
We come to you! We’ll send you a short list of preparation materials, and walk with you through the property to document. Most sessions take about an hour per thousand square feet.
Reporting &
Risk Support
We deliver a record of your session and store it as secure evidence. In the event of a loss, we come to you at no additional charge to ensure your ledger’s accuracy before transfer to your insurer or private adjuster.
Contact Us For Estimates & Booking
We do our best to respond to inquiries personally within 12-24 hours. Thank you for your patience!