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Damaged contents after a disaster. After a fire or flood, packing out contents and determining what can be salvaged and what should be replaced is an important, but often time-consuming aspect of a claim. (Photo: P.Harman/PC360)

In the aftermath of a loss event, both the insured and the insurer may face the dreaded pack-out — moving all contents off site for evaluation and allowing room for structural repairs. In reality, pack-outs can cover a range of functions: creating contents inventories; sorting; deciding which items can be salvaged; transporting items to specialists for repair, cleaning and disinfecting; finding replacements for non-salvage items; calculating a cash value for non-salvage contents; testing items that have been repaired; and finally re-packing and transporting contents back to the premises.


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