Why should I have a Home Inventory?
The question at hand is "Why should you have a home inventory"?
Before we answer the question of why you should have a home inventory, lets answer a few more questions.
1. What is a home inventory?
A home inventory is a record of all or a selected few items in your home. These items are your personal assets. The things that you have worked hard to obtain.
2.Who should have a home inventory?
Any one who owns a home, rents an apartment, owns or rents a mobile home, and business owners.
Now we can get to the original question:
3. Why should I have a home inventory?
To answer this question, I have to get personal.
During the fall of 2004 my home was hit by 3 hurricanes. The first hurricane caused the majority of the damage and the other 2 just added to it.
We suffered major roof damage which caused massive amounts of water to enter the house.
Furniture, pictures, electronics, you name it...it got damaged.
I spent months after the hurricanes trying to figure out what could be salvaged and what could not.
To add insult to injury, now there was mold growing in the home as well as on some of my personal assets.
After going thought the stress of the hurricanes and the clean up after the hurricanes, the trama was not over with yet.
When it comes time to make a claim with your insurance company, you need to show proof of the items you lost.
I did not have a home inventory and it is several months later and I am still finding out that I don't have something I thought I had.
Yes, I know that you pretty much give an inventory to the insurance agents when you are signing up for insurance, but this is usually a limited inventory.
What happens to the things that you have purchased after obtaining the insurance policy?
What happens to those items which may not seem to be of value to someone else but are valuable to you.
For example, a collection of family recipes?
So now we can answer the question, Why should you have a home inventory.
In case of any loss, you have accurate documentation to show proof of loss.
http://partner.asafespot.com/CPE
http://www.hedgeofprotection.com
Posted at 12:04 pm by godsgirl2
