September 5, 2012 3:16 am
If the unthinkable happened tomorrow and your home was severely damaged or destroyed in a fire or hurricane, you'd be understandably devastated. Once you got over the initial shock, you'd have to begin the long and difficult task of recovering or replacing everything that you lost.
If you don't have a home inventory, the chances are good that you will be doing some major downgrading.
Discovery One: You Have a lot More Responsibility Than You Think You Do
The first thing you're going to do is call the insurance company, who is going to ask for a detailed list and description of everything you lost and need to replace. All you need to do is provide the make, model and serial number of your electronics and appliances and substantial proof that your clothes were from Talbot's, your sheets were 600-count and your mower was a high-end John Deere. Easy, right?
Most people can't even remember where they bought many of their belongings, never mind the model and serial number. Receipts? What receipts? Appraisals? Lost in the fire. It's not unheard of to find people digging around in the soggy ashes of their once-home desperately looking for evidence to show insurance adjusters. If only they had been more proactive.
Discovery Two: You Don't Remember as Much as You Think
How big are your grandmother's heirloom pearls? How many are on the string? How long is the strand? Not sure? What about that pocket watch your great-grandfather brought here when he emigrated from Europe? Can you describe it in detail? When is the last time you really looked at it?
If they were stolen, could you describe them to the police? Do you have any pictures?
A comprehensive home inventory can help ensure that you have the right amount of insurance coverage, provide proof of ownership to your insurance company, maximize your insurance recovery payments, and improve your chances of recovering irreplaceable treasures if they're stolen.
A complete inventory, including photos, may be one of the most valuable investments for peace of mind anyone can make for themselves and their families. If something happens to damage homes and property, an inventory will eliminate the need to piece that information together in the aftermath.
A home inventory service can document and catalog all your possessions and requires no preparation. Services can be tailored to your needs and budget. You'll sleep better -- and enjoy relaxing in front of that widescreen TV much more -- knowing you're ready to maintain your family's quality of life if disaster strikes.
Published with permission from RISMedia.