• Protect Your Investments: Have proof of ownership and value of your
personal property readily available for speedy and accurate insurance
claims. • Enjoy Peace of Mind: With a
detailed, professional inventory stored safely outside your home you'll
rest easier knowing you're protected.
• Preserve Your Heritage: Record a permanent legacy for your family and
heirs. Document your heirlooms and valuables and the stories behind
them.
• Save Valuable Time: Your time
is valuable. Save it for your other priorities and the things you love
to do. Let a professional handle the intense work of cataloging your
belongings. We're experienced and fully equipped to complete your
inventory promptly. • Simplify Your
Life: You'll have a detailed listing of what you own available when you
need it, whether that is for insurance purposes, estate planning,
estate valuation, tax issues, moving, legal issues, or other reasons.
And, it's simple to update annually!
Insurance Documentation
• Provide required documentation of ownership and value: In the event
of a loss due to fire, theft, burglary or other catastrophe, your
insurance company will try to be helpful and cooperative, but they
won’t hand you a blank check. It’s up to you to document your losses.
Just think how difficult it would be to recall from memory everything
you own. An inventory with details, video and digital pictures will
provide the required documentation to prove ownership and value of your
possessions. • Evaluate your personal
property coverage: Taking inventory will also help you to evaluate
whether or not you have enough personal property coverage. For example,
do you know what your sub-limits are for jewelry or art within your
policy? Your inventory also helps you to identify property that should
be “scheduled” on your policy. It gives you a valuable tool for
discussing your insurance needs with your agent, and helps you to make
informed decisions about your insurance coverage. • Settle claims accurately and promptly: Insurance companies recommend
that you have an inventory. Each year, people lose thousands of dollars
worth of belongings through fire, theft or other disasters.
Fortunately, many of those loses are insured, but when it comes time to
fill out claim forms many things are overlooked if there is no
inventory. Having an up-to-date home inventory will help you get your
insurance claim settled faster and will give you the documentation you
need to verify losses for your income tax return. • Maximize your insurance dollars: The cost of the inventory is truly
minimal relative to the greater amount you will recover with good
records in the event of a loss. You pay your insurance premiums each
year. Let us help you create the records you need to maximize your
insurance dollars in the event you need to make a claim.
Estate Planning and Settlement
• Estate Documentation: Create a permanent record of your heirlooms and
other valuable property with the stories behind them. This legacy will
be a comfort to your family and heirs. Narrate your video if you want
to.
• Estate inventory and
valuation: The inventory process allows you to establish the value of
your personal property. This can be an important estate planning tool.
In addition, Huntsville Home Inventory
Specialist can conduct objective third-party inventories for estate
settlement purposes. We coordinate with Certified Appraisers when
necessary.
Vacation Rental Owners, Landlords and Renters
• Landlords and Renters both benefit: Perhaps you own rental property
or a vacation home rental, or you rent a home or apartment. Landlords
and renters both benefit from documenting the condition and contents of
rental property. Vacation rental property should also be documented and
updated annually.
• Renters should document: Renters should also document their personal property for insurance purposes.
Moving
• If you need to file a claim for loss or damage: A detailed inventory
will be a valuable asset if you need to file a claim with your moving
company for loss or damage. • Do you
need additional insurance before you load up?: An inventory of what you
are moving with its value and condition documented allows you to
determine if you need to purchase additional insurance before the move.
Are your "high value items" adequately covered?
Small Businesses and Workshops
• Protect your business assets: An inventory of your office equipment,
workshop tools and machinery, and other business tangible assets
documents your investment for insurance, lenders, suppliers, and
procurement bids.
Special Collections
• Assess value and document collections: Whether you collect stamps,
coins, dolls, antique tools, firearms or other specialty items, an
inventory will help you assess and document the value of your
collection.
Objective Third Party Inventories
• When you need an objective third party: Huntsville Home Inventory
Specialist works with you and your attorney in situations where an
uninvolved third party is required to perform a property inventory.
Pre-nuptial agreements, divorce and estate settlement situations may
require such documentation.
