Among the nightmares that give insurance adjusters sleepless nights is the selection of a restoration company that can perform contents cleaning and repair.

"Contents pros," as they are often called today, are a relatively new phenomenon historically speaking. In days gone by, it was tacitly agreed that after a fire or flood, water-drenched or smoke-impregnated items were simply loaded onto a truck and taken to a waste disposal site.

But with the coming of the contents pros, whose motto is "restore not replace," insurance companies discovered that they were saving massive amounts of capital by having these specialists intervene before many items were discarded.

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