(List Only Example)
(List w/ LKQ Valuation Example)
Overview
The non-salvage Schedule of Loss should only be sent when the inventory is ready for the next stage of the claim workflow.
Depending on the adjuster and your internal process, you may send it at one, two, or all three of these checkpoints.
Send the Schedule of Loss after your pack-out inventory review is finished and the non-salvage list has been confirmed for accuracy.
At this stage:
Descriptions have been reviewed
Each line reflects a single, individually purchasable item whenever possible
Send at this point if the adjuster will be completing homeowner participation and valuation on their end.
2. After the Homeowner Completes Their Purchase Details
If you’ve invited the homeowner to enter:
Original purchase price
Purchase location
Years owned
Condition
…and you’ve received the notification email confirming they’ve finished their participation, you can send an updated Schedule of Loss.
This version reflects the insured’s own purchase information and is more complete.
If your company provides valuation (using Fast AI LKQ or Fast LKQ):
Send the Schedule of Loss after the LKQ process is complete and all valuation results have been reviewed and corrected.
At this stage:
Replacement values have been generated
Outliers or inconsistencies have been fixed
The data is final and fully ready for claim settlement
This is the final version the adjuster will typically rely on.
Choosing Which Version to Send
Think of these as three valid send-points:
After Pack-Out Review → Adjuster finishes the remaining steps
After Homeowner Participation → You provide an enriched, insured-verified list
After LKQ Review → You provide the final, most accurate version
When unsure, simply ask the adjuster:
“Would you like the Schedule of Loss now, or once the homeowner participation and/or LKQ valuation is complete?”