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Monday, March 14, 2005
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
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Tuesday, March 15, 2005
What shall I include in my inventory?
Here are a few items that should be included in a home inventory. This is just a small list of the items you should include
You should have an inventory of your personal assets if you own, rent , or have a business.
1.The outside of your home, including any landscaping.
2.Pictures
3.Collectables
4.Electronics
5.Pets
6.Rugs
7.Phones
8.Books
9.Family Documents
10. Bed Linens
11. Window Treatments
12. Furniture
13. Clothes
14. Furs
15. CD Collections
16. Video Collections
17. Dinnerware
18. Children Toys
19. Computers
20. Video Game Systems
21. Software
22. Video Games
23. Shoes
24. Beautiy Items (facial steamers, razors etc..)
25. Pillows
26. Wigs
27. Luggage
29. Tools
30. Christmas and other holiday decorations
31. Ladders
32. Lawn Equiptment
33. Pool Toys
34. Basketball hoops
35. Small Appliances
36. Candles
Get your home inventory here
http://partner.asafespot.com/CPE
or
http://www.hedgeofprotection.com
Posted at 09:38 am by godsgirl2
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Thursday, March 17, 2005
Using A Safe Spot for your home inventory
If you are a do-it yourself-er, then you will find the inventory from A Safe Spot for you.
The only requirements for a Safe Spot inventory is a computer with internet access and a digital camera (if you want photos to go along with your documentation).
After you purchase the service which is under $50.00, then you log in and start your inventory.
I suggest that you start in one room.
The software is very user friendly.
You simply take pictures of your personal assets, upload them to the software and add the description such as value and date of purchase.
The great thing is that A Safe Spot provides secure online storage space for your inventory.
You can access your inventory from any computer with internet access 24/7.
In case of any loss such as hurricanes, fire, floods, theft,etc.. you can give (if you would like to) your insurance adjuster a special password so that they can take the information regarding your loss.
I really encourage you to have an inventory of your personal assets.
Visit
http://partner.asafespot.com/CPE for more information.
Posted at 10:04 pm by godsgirl2
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Wednesday, March 23, 2005
Sometimes when we hear estate planning and we think this is something for the rich.
Actually, everyone who owns something of value should think about estate planning.
Estate planning assures that when you pass away, your wishes will be carried out.
When you have a home inventory, you can specify in the software if you would like to leave certain items to certain individual.
Your home inventory can go along with you Will to simplify the process for your love one.
Please visit
Posted at 07:31 am by godsgirl2
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Sunday, April 03, 2005
Unless you have been in a cave for the last 3 weeks, you are now aware of how important it is to have a living will.
The struggle between life and death that Terri Schiavo endured points to one thing.
We must make sure that if we can not make decisions on our own that those who are our guardians are making the correct choices.
Having a Living Will completed is the most important thing you can do to assure that.
You can also include your Living Will in your home inventory.
If anything should happen to you where you can not make any decisions, your Living Will can be obtained from your inventory.
Please visit
Home Inventory
Posted at 01:08 pm by godsgirl2
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Tuesday, April 05, 2005
One of the most destructive elements that can destroy your personal assets is mold. Our home (this is not a picture of our home) suffered mold following the 2004 Hurricane season. We thought that the mold that we could see was the only thing that we had to worry about but each time we moved something we would discover that the mold was behind it.
One thing that I have learned is that the mold spores are also just as dangerous. We lost two of our dogs due to the mold. They breathed in the mold spores and got sick. By the time we found out what was happening it was to late.
We have found that mold can quickly attach and grow on things like photos, furniture, books, etc....
For this reason, it is important to have your home inventory. You can log all of your personal assets in the software. If you were to suffer sometype of loss, you have a complete log of your assets to make a claim with your insurance company.
Posted at 09:23 am by godsgirl2
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Florida 2004 Hurricane Season/ 2005 Hurricane Season
I was looking for some pictures of hurricane damage when I stumbled on this article.
Inventory your personal assets now
Click here for your home inventory
Bermuda High may steer hurricanes toward Florida again
By Ken Kaye
Staff Writer
Posted February 9 2005
The strong high-pressure ridge that steered four hurricanes toward Florida last summer is still out there -- and could direct more storms our way this year.
"Right now, the pattern is very similar to what we had last year," hurricane specialist Stacy Stewart of the National Hurricane Center said Tuesday. "So people should plan on this being another above-average season."
The ridge has already caused Palm Beach County to have its wettest month ever in September -- followed by the driest four-month period ever, from October through January. The result: Palm Beach and Broward counties are drying out, increasing fire danger.
Called the Bermuda High because it is centered over the small island, the ridge last year prevented hurricanes from turning north in the Atlantic, forcing them on a westerly track toward Florida.
Unless it breaks apart in the next few months, and it's unknown whether it will, the upcoming hurricane season, which starts June 1, again could be tense, forecasters said. In addition to Florida, the pressure ridge creates a threat for the rest of the lower U.S. coast.
Stewart emphasized it is extremely unlikely that four hurricanes will again batter Florida, as Charley, Frances, Ivan and Jeanne did last year. Experts say that kind of catastrophe happens on average once every 100 to 200 years.
However, because the Atlantic basin has been in an active era since 1995, it would not be unusual to see two intense systems slam the state, Stewart said.
In an active era, warm water produces more major hurricanes than normal.
Historically, about a third of all major hurricanes, with winds greater than 110 mph, make U.S. landfall. Yet until 2004, only three had done so from 1995 to 2003, even though 32 major systems developed in the same period.
That luck ran out last year, and the odds don't look good this year, Stewart said. Still, he said, residents should not get caught up in seasonal forecasts but instead should prepare as though one powerful storm could hit.
"Our emphasis through the years has been: Be prepared because you can get an Andrew-type storm even in a quiet year, with devastating results," he said, referring to Hurricane Andrew, a Category 5 system that tore apart south Miami-Dade County in 1992.
Because the Bermuda High ridge directed hurricanes Frances and Jeanne toward the south-central Florida coast, Palm Beach County saw 29.4 inches of rain in September, the wettest month ever in the county. That broke the previous monthly record of 27.81 inches, set in October 1910, according to meteorologist Jim Lushine, of the National Weather Service west of Miami.
Then, as cold fronts descended from the north, the ridge acted to weaken and deplete the county of rain, he said. The result: In October, November, December and January, a total of 4.83 inches of rain fell.
That broke the previous low record of 5.29 inches of rain, set in the same four-month period in 1970-71. It also was more than 13 inches below normal for the time period.
Why the ridge most dehydrated Palm Beach County is unknown -- and unusual because North Florida and even Miami-Dade County have seen their fair share of rain, Lushine said. Broward County also was dry in the past four months, though no records were broken.
"It's kind of strange," Lushine said. "There's a reason for it, but we don't know what it is."
The dry conditions have not yet caused water supply problems, officials said. So much rain fell in September that when averaged out, the past five months still saw 8.2 inches more rain than normal.
Meanwhile, another wave of cold air is predicted to roll over South Florida on Thursday night.
Ken Kaye can be reached at kkaye@sun-sentinel.com or 954-385-7911.
  
Posted at 09:50 am by godsgirl2
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Pictures of Hurricane Damage from the 2004 Hurricane Season
Here are pictures of some of the damage to personal assets from the 2004 Florida Hurricane season.
Now is the time to inventory your personal assets. In case of loss, you will have a complete record of what you have lost for your insurance claim.
Click here to complete your inventory
Keeping in touch
Robert Duda, 46, the property manager of Fuda Plaza in Port Charlotte, writes his phone number on the walls of the building that was destroyed by Charley. He has been out of town since before the storm and has not heard from his tenants.
(SUN-SENTINEL/JOE AMON)
Aug. 19, 2004
Copyright © 2005, South Florida Sun-Sentinel
Big job ahead
Artist Darryl Pottorf begins cleaning up after surveying the damage to his Captiva home, where paintings were damaged by water. “You look around and say what do I do first?” he said.
(SUN-SENTINEL/JOE AMON)
Aug. 19, 2004
Copyright © 2005, South Florida Sun-Sentinel
Looking for items
Angelina Kauffman, right, looks for items from her brother's demolished home in Punta Gorda.
(Sun-Sentinel/Anastasia Walsh Infanzon)
Aug. 18, 2004
Copyright © 2005, South Florida Sun-Sentinel
Sorting through the rubble
Angelina Kauffman, 15, left, helps her brother, Jack Kauffman, salvage household items from the demolished home he shared with his pregnant wife, Carolyn Kauffman, right, and their three children.
(Sun-Sentinel/Anastasia Walsh Infanzon)
Copyright © 2005, South Florida Sun-Sentinel
After the storm
Anne Loehnert, 87, holds one of the few possessions she has recovered after Hurricane Charley. The storm destroyed her home at a mobile home park in Punta Gorda.
(Sun-Sentinel/Joe Amon)
Aug. 17, 2004
Copyright © 2005, South Florida Sun-Sentinel
"What do we do now?" asked John Morrison, wondering aloud how he and his wife of 57 years, Jewel Morrison, are going to pick up the pieces of their Punta Gorda mobile home left behind by Hurricane Charley. "I don't even know where to begin, but it's just stuff, right? We have each other and that's the most important thing."
(Melissa Lyttle/South Florida Sun-Sentinel)
Aug. 14, 2004
Copyright © 2005, South Florida Sun-Sentinel
A parked car is surrounded by the ruins of a house north of Port Charlotte, Fla., early Saturday, Aug. 14, 2004, after Hurricane Charley moved through the area Friday.
(AP PHOTO/J.PAT CARTER)
Aug. 14, 2004
Copyright © 2005, South Florida Sun-Sentinel
Pearl Johnson (right) gets a hug from neighbor Esther Dutt in front of her home of in southeast Orlando on Saturday. Esther's husband, Kenneth Dutt, stands at left. During Hurricane Charley, a giant oak split with half of the tree landing on the house and the other half landing on the street.
(BOBBY COKER/ORLANDO SENTINEL)
Aug. 14, 2004
Copyright © 2005, Orlando Sentinel
Pat Turner, 76, of Daytona Beach lost everything in her apartment off State Road A1A during Hurricane Charley. She takes a look at the damage on Saturday.
(EILEEN MARIE SIMONEAU/ORLANDO SENTINEL)
Aug. 14, 2004
Copyright © 2005, Orlando Sentinel
A homeowner at the Whispering Pines Mobile Home Park in Osceola County takes belongings outside after Hurricane Charley.
(HILDA M PEREZ/ORLANDO SENTINEL)
Aug. 14, 2004
Copyright © 2005, Orlando Sentinel
Posted at 12:13 pm by godsgirl2
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Here are some pictures I found on the net showing damage caused by the flood. During the early months of 2005, many states suffered from severe flooding.
Don't wait until it is to late...
Posted at 07:16 pm by godsgirl2
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