It is the adjuster’s responsibility to assist the policyholder with preparing the contents claim and verifying that contents being claimed are insured under the SFIP, and to verify accurate local replacement costs and apply appropriate depreciation. The adjuster must show photos of the damaged contents items. It is also a good practice to photograph undamaged items. The two bulletins below discuss personal property:

• Bulletin W-10035 discusses Flood Insurance Guidance Concerning Contents Manipulation
• Bulletin W-12090 discusses Debris Removal