# ValueChecker > Automated contents appraisal for insurance claims ## At a glance | Field | Value | | --- | --- | | Category | Claims Technology | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Stockholm, Sweden | | Founded | 2017 | | Stage | Growth | | Employees | 11-50 | | Funding | Series A | ## Overview ValueChecker is a contents appraisal technology platform for the insurance industry, helping carriers and TPAs determine accurate claim values for personal property losses. The platform targets claims handlers at P&C carriers and insurance intermediaries across EMEA and North America, automating the valuation of damaged or lost items in home and contents insurance claims. The platform is delivered as a cloud-hosted SaaS application and REST API, combining a 20-year product database with machine learning to match claimed items to current market replacements and calculate actual cash value. Modules include an electronic first notice of loss (eFNOL) tool, an image and receipt AI module for automated item identification, and a shared adjuster-policyholder portal for collaborative claim inventory building. Integrations are available for Guidewire ClaimCenter and Verisk XactAnalysis. Operated by ICSS AB and founded in 2017 by Arie Struik and Willem van der Hooft, ValueChecker serves a client base that includes Achmea, Sedgwick, ING, Nationale Nederlanden, and Lemonade, among others. The company operates in the Netherlands, Germany, United Kingdom, Belgium, France, Denmark, Norway, Sweden, and the United States. The platform is ISO 27001 and SOC 2 Type II certified. ## Products & services ### Web SaaS Cloud-hosted contents appraisal platform requiring no system integration. Claims handlers can access all valuation features immediately without an IT project. **Key features:** - Actual cash value \(ACV\) calculations for personal property items - Real\-time replacement product pricing from verified retailers - Comprehensive product database built over 20 years *Target users:* Claims handlers at P&C carriers and TPAs ### eFNOL \(Electronic First Notice of Loss\) Digital first notice of loss solution that captures claim submissions from policyholders electronically. Available as standalone SaaS or embeddable integration. **Key features:** - Digital intake workflow for policyholder loss reporting - Embeddable into existing claim management systems - Standalone hosted option for rapid deployment *Target users:* Carriers and TPAs seeking digital FNOL intake ### REST API Programmatic interface enabling insurers to embed contents valuation directly into their own claim handling applications. **Key features:** - Item identification endpoints - Like\-kind\-and\-quality replacement discovery - Regional pricing lookups *Target users:* Carriers and software vendors integrating valuation into core systems ### Image and Receipt AI AI-powered module that analyzes photos and receipts to identify products and automate claim item verification. **Key features:** - Automated product identification from photographs - Receipt scanning and verification - Fraud detection signals *Target users:* Claims handlers processing high\-volume personal property claims ### Customer and Adjuster Portal Shared workspace for policyholders and adjusters to collaboratively document and appraise claim inventories. **Key features:** - Collaborative claim inventory building - Image and receipt upload by policyholders - Real\-time appraisal results for adjusters *Target users:* Field adjusters and policyholders during active claim handling ## Category & focus - Subcategories: Claims Automation, FNOL, Contents Valuation, Fraud Detection - Insurance verticals: P&C Personal, P&C Commercial - Target customers: Carriers, TPAs ## Notable customers - Achmea - Sedgwick - ING - Nationale Nederlanden - Lemonade - Unive - ZLM - ABN AMRO - Argenta - Yarowa ## Links - Website: - Directory profile: - Careers: - Linkedin: - Documentation: --- *Last updated: 2026\-06\-19*