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Purchasing a home is one of the largest financial investments you can make. That's why it is very important to purchase homeowner's insurance to protect your property and possessions from theft, fire, hurricanes, tornadoes, and other catastrophes.
Although you have homeowner's insurance, when disaster strikes would you be able to identify all the possessions that occupied your home when filing a claim to your insurance company? If you cannot, I suggest letting I 2 Solutions LLC conduct a home inventory for you.
What is a Home Inventory?
A Home Inventory is a systematic process of documenting, photographing, digitally recording, and cataloguing all the furniture and personal possessions in your home, so that you have a record of them in the event of a catastrophe, loss due to theft, or any other insurance claim.
Could you imagine losing your possessions due to a hurricane, fire, or any other natural disaster? What will you do first? Do you know where to begin? Will your first move to recovery begin at contacting your insurance company with a claim? If so, the claims representative or adjuster will ask, "Well what did you have in your home? Give me the name, description, and model of every item...oh yeah, now I need the price of each item. How long you had each item? Do you have pictures of it? A detailed inventory list I can see? How can you prove you had what is on the list? Can you remember everything room-by-room, closet-by-closet, and draw-by-draw in your house?" If you're distraught, how much can you actually remember?
Simply having renter's or homeowner's insurance is not enough. All insurance companies Recommend that anyone who purchases renters or homeowners insurance have a completed inventory of their possessions. When you file a claim, you want to provide an accurate inventory catalog to support your claim. This will ensure that you get reimbursed for every item that was either purchased or received as a gift, that occupied your home. The less documentation or proof you have of your possessions, the less you will get back for a claim. Also, this detailed catalog will help expedite the claims process by weeks, if not months. Many people take Recovery measures instead of Preventative measures, which has been proven to cost a whole lot more money. Don't wait until it's too late.
Benefits of a Home Inventory
- * Proof of Ownership in the event of a Loss
* Helps Determine how much insurance is needed
* Estate Planning: Supplement legal documentation
* Moving: Keep track of lost or damaged property
* Taxes and Valuations: Verify losses for tax deductions
* Insurance claims are accurate and process faster
* Peace Of Mind: Knowing you have your property documented
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