| Home Inventory, Inc. |
Contact Us Today! 401-954-5540 |
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What We Do |
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| Why We Started Home Inventory | What You Can Do | Frequently Asked Questions | |||||
| Why we Started Home Inventory | Back to the Top | |||||
 A
while ago, a very good friend of ours had a house fire. No one was
home. Because they live in a rural area, neighbors are a good
distance away. No one knew it was on fire for almost a half an hour.
By the time the fire fighters arrived, this was pretty much the
scene. (actual photo)A couple of hours later, a representative from his insurance company showed up. He asked my friend if he had an inventory, which he replied, “No.” He handed him a clip board and asked him to write everything down. A tough time for anyone to recall all that they own. After an hour, he handed the clip board back to the rep, who briefly looked over the list. He then asked him what model T.V. he had. What kind of stove and microwave? Well, as most of us would do, he said, “I don’t know.” When he received his check from the insurance company, it was for $36,000. Based on his insurance coverage, the check should have been approximately $210,000. Without documentation, we all see the difference. Buying just the essentials to get the family back to normal, the money was almost all gone. They hadn’t even bought any major purchases yet, but were low on the funds. Seeing the disappointment on his face, and seeing the struggle his family endured, we saw the need for our service. Since that day, we have promised that we will get as many people as possible to do home inventories. Don’t have this house be yours anytime soon. |
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A Home Inventory is a detailed list of the
personal property or collections located in your home. You should
also include property that you have stored elsewhere, perhaps in a
storage container, storage area or a garage on the premises.
It should include your furniture, jewelry, artwork, antiques, appliances, kitchen contents, clothes, carpets, drapes, rugs, lamps, office equipment, electronics, musical instruments, clocks, mirrors, linens, tools, sports equipment, lawn equipment, and any other items of value. Having an inventory of all items in and around your home is an important part of maintaining control over your home ownership. First of all, for estate and financial planning purposes, it gives you a complete picture of your personal property, the value of which can be totaled and is a component of your current net worth. Secondly, a comprehensive home inventory is important should you ever have an insurance loss. Insurance companies require information about the circumstances of your claim and detailed documentation of your home's contents as evidence to justify the amount you are claiming. An up-to-date home inventory complete with video and photographs will save a great deal of aggravation should you need to report a loss to your insurance company. An inventory of your possessions not only helps you determine how much homeowners insurance you should carry, but it can also help you get your things replaced (or returned) if they should be stolen. Detailed records of antiques, jewelry, silver, sporting goods, major appliances, and collector's items are very important as these items are difficult to value once they're lost. |
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How can I benefit from a home inventory? A good home inventory provides you with a comprehensive list of all your personal possessions in case of fire, theft or any other disaster that can strike your home. Information insurance companies and police will ask for first. Can’t I just do an inventory myself? Absolutely you can! We encourage you to do so. A proper inventory will take patience and time. On average, the total process can take between 6 to 8 hours to complete. Most people just do not have that kind of time in their hectic lifestyles. How often will I need to do an inventory? Hopefully, just once. After it is completed, updating your inventory will take moments of your time when you make any new purchases. What other functions can my inventory supply besides insurance purposes? Whether you have special collections, estate planning, will disbursement or even a divorce. We can provide you with a straight forward, unbiased documentation of all your possessions. Are you insured? Yes. We are fully insured and bonded. We can provide copies upon request.. |
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