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Q. Why do I need a home inventory?
A. It will protect your possessions from a possible disaster by documenting them for accurate insurance reimbursement. An inventory provides you with peace of mind, leaving with a knowledge that your heirlooms and valuables have a permanent record.
In the event of a fire, theft, flood, or hurricane~
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Q. Isn't homeowners insurance enough?
A. Not necessarily. The value of your possessions may exceed your current coverage. In third-party transactions such as auto liability claims, you are not the customer of the insurance company, and therefore an appearance of fairness does not benefit the future business of the company. Hence, third-party claims usually present more of an adversarial climate between the insured and the insurance company.
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Q. Do you inventory everything?
A. We will inventory anything that you feel is of value, taking pictures to show their quality and condition. This can include: electronics, appliances, furniture, sculptures, paintings, artwork, rugs, china, silverware, handbags, furs, tools, sporting equipment, office equipment, and even your costly landscaping plus anything else you hold of value.
Q. I have a camera, why can't I do this myself?
A. You most certainly can; however, these days, some claims adjusters say that when someone comes in with a pile of pictures, a red flag goes up in their minds for insurance fraud. The same is true with videos. Claims departments continually report cases of fraudulent claims, in which people submit pictures and videos which are not their own. This is one reason that most claim adjusters prefer sales receipts. It is additional support for you to have a third party home inventory service document your valuables. Since they do not have a vested interest in the claim, you are less likely to make a fraudulent documentation of the personal property.
Q. When filing an insurance claim, what do I do?
A. First, file a claim with your insurance company, then inform them that you have complete documentation of your possessions with a professional home inventory service.
We recommend that you obtain a secure location for the personal inventory IMAGES HOME INVENTORY provides to you.
Doing a professional home inventory insures that you won't suffer a financial loss at claim time. According to the National Insurance Industry, homeowners with a current home inventory at claim time typically receive larger settlements.
Q. Do you provide appraisals and insurance estimates?
A. We are not licensed to provide those services. We are home inventory specialists. If you have an item needing appraisal, it should be taken to a professional appraiser.
THE STRESS OF LOSS IS NO TIME TO RELY ON MEMORY |
Insurance companies, law enforcement and estate planners recommend a through inventory of your personal property and valuables.
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