When
filing a claim for destroyed or stolen items, pre-recorded
documentation will make a claim easier and more credible. Be
sure that all your items are covered under your current
policy. You might be surprised at the list of exceptions that
some insurance companies have listed. However, most insurance
companies do suggest a documented record of your belongings.
The format is not the same across the various insurance
companies but the expectation is!
Ask
yourself a few questions:
If
you faced the trauma of a loss, whether as a result of a
natural disaster, an accident, theft, a divorce, or even a
move, would you be able to provide a detailed description of
all your belongings? Are
you sure?
In
the event of such a loss, can you imagine recalling all these
details while under severe emotional stress?
Really?
You
can take your chances and hope nothing this serious ever
happens to you and your family. Or, you can take precautions
now, prepare in case it ever does, and BE
ASSURED that in the worst case
scenario, you'll have one less issue to deal with when you
submit your up-to-date, professionally and confidentially
prepared Home Inventory to your insurance agent,
lawyer, and/or accountant.
Do
you know anyone who has ever suffered such a loss? We
read it in the headlines and hear it on the news every day.
Are
you sure it won't happen to you?
"I
have been a police officer for 9 years and this system is by
far very useful and needed. I can't tell you the number of
burglary calls I go on and no one ever has any information
available. I recommend a home inventory to everyone not only
for insurance reasons but to help recover any stolen
items." Ari Dorfman, Police Officer, Florida.
Already
a client of ours?
If you need your Inventory Portfolio
submitted to your Insurance Company or local Police
Department, send your request to
info@homeinventory4u.com
- Do
you need to update your current inventory? If so,
we can make adjustments to your current portfolio.
Just email the updates to us at info@homeinventory4u.com.
Hourly rate of $100 will apply.
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Here
are a few insurance company quotes regarding the value of a
home inventory:
Travelers
Insurance
Conducting
a Personal Property Inventory literature states: “Take the
time to compile an inventory of your home now, and it will
save you precious time and frustration later.” Benefits of
having a personal property inventory include:
- Helps to ensure
you have the coverage you need.
- In the event of
a loss, it makes it easier for you to file a complete and
prompt claim, supported by accurate documentation.
- Helps determine
the replacement cost of your lost or damaged possessions
to settle your claim quickly.
Farmers
Insurance Group
The following can be
found on the back of their Household Contents Inventory Record
Book: "This record can be worth thousands of dollars to
you. Keep it in a safe place outside your home."
State
Farm Insurance
They
offer the following under their Home Inventory Tips:
"The threat of loss of property from fire, theft, or
other causes is always present. An accurate inventory and
proof of ownership at the same time of a loss can make claim
settlement easier and faster."
Allstate
Insurance
Under their "Your Property
section", they ask
you to ask yourself, "Do I have an inventory and
photographs?"
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