Skip to content
The Claim Organizer
RentersUnited States

Renters Total Loss Claim Kit

Your landlord's insurance generally does not cover your belongings. If you have renters insurance, this kit helps you rebuild an apartment inventory, often without receipts, track the extra cost of living elsewhere, and keep written records with your insurer and landlord.

What's inside

  • US_Renters_Total_Loss_User_Guide.docx
  • US_Renters_Total_Loss_Contents_Inventory_TRACKER.xlsx
  • US_Renters_Total_Loss_ALE_TRACKER.xlsx
  • US_Renters_Total_Loss_Claim_Diary_TRACKER.xlsx
  • US_Renters_Total_Loss_Claim_Letters_TEMPLATE.docx

$39

Instant download · Word and Excel · Personal use license

What's inside

  • US_Renters_Total_Loss_User_Guide.docx

    Step-by-step user guide with key terms, rules that may apply, sources and a final checklist

  • US_Renters_Total_Loss_Contents_Inventory_TRACKER.xlsx

    Room-by-room contents inventory with RCV, depreciation and ACV calculated, summary by room and category

  • US_Renters_Total_Loss_ALE_TRACKER.xlsx

    Additional living expenses tracker: receipts, extra cost, reimbursed, not yet reimbursed, monthly summary, mileage

  • US_Renters_Total_Loss_Claim_Diary_TRACKER.xlsx

    Claim diary: key dates with alerts, contact log, documents sent, payments received

  • US_Renters_Total_Loss_Claim_Letters_TEMPLATE.docx

    Editable letters to request documents, information or time, to send documents, and to confirm conversations in writing

Who it's for

  • Renters who lost most of their belongings
  • People without receipts who need to rebuild a list
  • Tenants who need written records with the landlord

How the documents work together

The Claim Diary holds insurer and landlord contacts and deadlines. Build the apartment inventory, log living costs in the ALE Tracker, and use the letters for your insurer and your landlord.

Is this the right kit?

Choose this kit if you rent and lost most of your belongings. For a theft only, see the Theft and Burglary Claim Kit. In Canada, see the Canada Tenant Total Loss Claim Kit.

What's not included

  • Advice about your policy, your coverage or the value of your claim
  • Contact with your insurer, adjuster, landlord or lender on your behalf
  • Negotiation or representation of any kind
  • Pre-filled prices, depreciation rates or deadlines (these come from your records, your policy and your insurer)

Format and delivery

Instant download after payment: a personalized ZIP with Word (.docx) and Excel (.xlsx) files. Works in Microsoft Word and Excel, Google Docs and Sheets, LibreOffice. US Letter page size. 5 downloads within 30 days. Personal use license.

Questions about this kit

I have no receipts. Can I still use it?

Yes. The guide lists ways to rebuild proof, such as card statements, order histories and photos, and each line records the proof you have.

Is there a letter for my landlord?

Yes. It asks for written information about the unit, rent, access and the deposit. Your rights depend on your state and lease.

Does renters insurance pay living expenses?

Many renters policies include loss of use. The guide shows where to check yours.

Helpful guides