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Why Inventory? I know what I own!
But will you remember?
One residential fire occurs every 83 seconds. A structure fire , which includes church and commercial, occurs every 62 seconds. A Burglary occurs every 14.6 seconds in American homes. The average property loss continues to climb each year - not due to more incidents, but because of the increased value of the personal property in our homes.
If you were a victim of a fire, burglary, or other catastrophe, trying
to recall or prove what you had in your home could be very difficult and
costly.
Insurance companies generally try to be helpful and cooperative in paying a claim, but they don't come to you with a blank check. Its your responsibility to prove your loss, and having a record of these items will help to process your claim faster. Also, insurance companies will replace property with the "same kind and quality" concept of what you lost. If your property is valued above the "standard" rule, it's your responsibility to prove otherwise.
Even the Insurance Information Institute admits, "The more documentation you have regarding your possessions, the better your insurance company will be able to handle your claim...Your claim will be processed more rapidly than otherwise and you are more likely to collect in full."
Insurance companies will want you to prepare an inventory of your property and provide records and documents of what was lost, including bills and receipts that justify the figures of your claim. Be proactive by being prepared.
Michigan Home Inventory can handle everything for you. We think you'll find it surprisingly beneficial and it's easily affordable. Click here on Services or Contact us to learn more about how we can provide you with a complete inventory of your home, church or business. Completely documented in reports, digital video, and digital photography.
Call us at 866-253-2090 or contact us at info@mihomeinventory.com for more information about our services.