In the contents world there are a handful of “super consultants” who will evaluate expensive contents items. In one instance a painting had been extensively damaged by steam which created a “fog” over the entire canvas. The owner wanted $30,000 for the total loss. An adjuster asked a super consultant to have a look.
The consultant determined that the fog was just moisture trapped under the varnish that was applied over the painting (like white rings on wood furniture from a coffee cup). Thus only $850 was remitted to remove the old varnish and restore the art work.