Personal property are items you own that were damaged due to a covered loss. You may be able to include these as part of the damage. This can include items such as bikes, furniture, TVs, etc.

Send your adjuster a message with the following details:

• Name of the item
• Age of the item
• A brief description of the item
• Approximate cost to replace the item of like kind and quality

If you don't have a receipt, you can submit other proof of ownership. You can use the USAA Mobile App or usaa.com to upload your proof of ownership to the Claim Communication Center.

Yes. Save your damaged items until your adjuster tells you it's okay to dispose of them.

If you're unable to use Contents Collaboration, you can use the USAA Mobile App or usaa.com to send your adjuster a message in the Claim Communication Center.

If you need to add something to your inventory, send your adjuster a message in the Claim Communication Center.

If you have replacement coverage, you'll be paid back depreciation based on the replacement of your damaged items once you submit the final invoice or receipt. If your replacement item costs less than estimated, you may receive a lower amount. There may be certain instances in which recoverable depreciation wouldn't apply to your personal property.