A home inventory is a prepared list detailing your belongings with descriptions and photographs of personal property located in and around your home.Why is having a home inventory important?
A home inventory provides a permanent record of the contents of your home and their value to verify ownership in case of loss. It will allow you to account for anything missing or destroyed. You'll have a list of models and serial numbers for items most tempting to thieves. Plus, you can use the inventory to ensure you have adequate insurance coverage and for estate planning.What if I don't have a home inventory?
You won't be alone. Many simply do not have the time or patience to inventory their property much less keep it up to date. Without documented evidence of your belongings, be prepared to accept the consequences. If you have a loss and no inventory, the insurance adjuster is forced to rely on receipts, invoices, cancelled checks and credit card statements. Which may have gone up in flames in the event of a fire!How does a home inventory help determine adequate insurance coverage?
After your home inventory is complete, you can meet with your insurance agent to review your coverage. The review will prevent any disappointment with a settlement amount you may receive in the event of a loss.
What will I receive from a home inventory?
We will provide your complete home inventory report in an attractive portfolio which details the property in and around your home. You'll also receive a CD containing the report with photographs or video. Your report can also include the name of your insurance company and agent contact information. We will total the value of your property by category and location, as well as provide descriptions and historical background information on your items. We can also include warranty information.
How long does the service take?
The time to complete your home inventory depends on the size of your home, the amount of personal property you own and if you have a special collection requiring documentation, allow roughly an hour for every 1000 square feet of space inventoried.
What about items in storage? Do I need to unpack them?
Yes, if you would like to have the items in storage included in your home inventory. Please unpack and have the items ready to inventory prior to your appointment time. This will speed up the process and save you money. Part of the billing for the service is based on time.
How far in advance do I need to schedule my appointment?
We will work with you to schedule a time for your home inventory that best suits your schedule. Most appointments can be made within two weeks. Generally, we schedule appointments during normal business hours on Monday through Friday. However, we will work with you if you need an appointment after normal work hours or need a weekend appointment.
Do I need to be present while you are doing our home inventory?
Yes, we ask that you make yourself available while we are working in your home. Every item documented will need to have some basic and detailed questions answered that only you will be able to answer.
Do you move furniture?
No, we do not move furniture. We will collect model and serial numbers from televisions, computers, stereo equipment, etc where they are easily accessible without moving your furniture and disrupting your home. We can take the model and serial numbers directly from your owners manuals that were included with the item when you purchased it if they are readily available. If not, we will photograph and document the item in place.
Do you inventory everything? Even clothing?
We do inventory just about everything. There are however some exceptions on certain items that do not need to be inventoried. In some instances a quick picture is all that is needed to document an item or a group of items. To preserve your privacy, we do not open boxes, drawers or closets. The home inventory we create is for you and you decide what is included or excluded. We can only advise you on what should be included.
How long does it take to receive the completed home inventory?
We will deliver your completed home inventory in less than one week. It will be assembled in an attractive portfolio for your safe keeping. We do keep a copy secured as a backup. The portfolio will include your home inventory in a printed format including photo documentation and a CD for viewing on your computer. We also include an estate organizer for you to complete at your leisure.
Now that you have your completed home inventory, keeping it up to date will be fast and easy. We will schedule periodic updates, usually on an annual basis, to make adjustments for new items you have acquired.
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