An inventory is especially important for insurance purposes. When you make an insurance claim for damaged, lost, or stolen property, your insurance policy will require you to show the quantity, description, and possibly the amount of loss associated with each item. You may also be asked to provide copies of bills, receipts, or other documentation to support your figures. If you omit some items or fail to include an adequate description of others, you may receive less than full compensation for your losses.   Relying solely on your memory can be an expensive mistake.

Benefits

A home inventory is a detailed list of the personal property or assets located in your home, including pictures.   You should also include property that you have stored elsewhere, perhaps in a garage or storage shed.

 

Your list should include: furniture, jewelry, antiques, artwork, appliances, kitchen contents, clothes, carpets, drapes, computer equipment, television sets, CD players (and other audio or audiovisual equipment), musical instruments, clocks, mirrors, linens, lawn mowers, snow equipment, tools, sports equipment, collectibles and any other items of value.

 

Here are just a few reasons how you can benefit from our inventory services:

 

Receive insurance settlements faster because you will be able to identify what was lost. Most people can’t recall every item accumulated over the years after a loss.

 

A detailed inventory can help verify losses for income tax deductions.  

 

A line listing or picture inventory can be used to supplement legal documentation or information.  

 

Keep track of lost or damaged items.

Insurance Requirements

When filing a claim for destroyed or stolen items, pre-recorded documentation will make a claim easier and more credible. Be sure that all your items are covered under your current policy. You might be surprised at the list of exceptions that some insurance companies have listed. However, most insurance companies do suggest a documented record of your belongings.   The format is not the same across the various insurance companies but the expectation is!

 

Here are a few insurance company quotes regarding the value of a home inventory:

 

“Conducting a Personal Property Inventory” literature states: “Take the time to compile an inventory of your home now, and it will save you precious time and frustration later.” “Benefits of having a personal property inventory include:

 

The following can be found on the back of their "Household Contents Inventory Record Book" - "This record can be worth thousands of dollars to you. Keep it in a safe place outside your home."    

 

They offer the following under their "Home Inventory Tips" - "The threat of loss of property from fire, theft, or other causes is always present. An accurate inventory and proof of ownership at the same time of a loss can make claim settlement easier and faster."  

 

Under their "Your Property" section, they ask you to ask yourself, "Do I have an inventory and photographs?" 

Privacy and confidentiality are a concern anytime someone enters your home. It may be housekeeping, carpet cleaning, repairs, painting or delivery personnel. We understand this concern and are sensitive to our client’s wishes. Before we start any inventory, we take a tour of the home with our client. At this time we listen to any concerns or issues they may have in any of their rooms or with any of their items. We respect that each person has a varying comfort level thus we put our clients at ease prior to beginning their inventory. We also encourage client participation. In addition, we sign a confidentiality agreement with you as part of our standard contract.

 

During the inventory process we capture the details of your personal property in our secure business software. Following the completion of a home inventory we prepare a comprehensive reporting package which includes detailed reports including pictures. We offer two key reports: Home Inventory by Location & Home Inventory by Category so that you can easily view your property details.

 

Once you have verified the accuracy of our reports we finalize your inventory and provide you with the following in our comprehensive package:

 

1.   Getting the Most out of Insurance Claims

2.   Ensuring Proper Insurance Coverage

3.   Monthly Home Protection Tips

4.   Protecting Valuables with Photo Records

5.   Home Improvement Payback Tips

6.   Estate Planning Guide

 

We suggest you either store your report in a secure off-site location such as a safe deposit box or utilize our insurance agent partnership storage services.

 

Our inventory services are very reasonably priced at $200 for the 2 hour introductory package.  If you feel your home will need additional time please contact us for more information.   

 

Your house does not have to be in perfect order. The most important thing is that you can see the items. We’re flexible and will work with you to record the maximum amount of detail for the personal property in your home.

 

Don’t delay any longer, contact us today for a free no obligation quote.

 

Get the security, protection and peace of mind you deserve with our professional and confidential home inventory service.

 

 

P.O. Box 382

Leavenworth, WA 98826