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Free download manager 5. Internet & Network tools downloads - Free Download Manager by FreeDownloadManager.ORG and many more programs are available for instant and free download. Second was ‘This is too good to throw away' with a mean of 4.3, followed by ‘This means too much to me to throw away' with 3.8 and ‘This may be worth something someday' at 3.6. Again, however, the extent to which these thoughts occur among nonhoarders when they are throwing things away is unclear.
A fire or similar home-wrecking disaster can strike your home at a moment's notice. In the event of a catastrophe, nothing is more helpful than having a complete and thorough home inventory of your possessions. Without a list of your possessions, it can be quite difficult to get the full dollar amount of what you paid back from the insurance company. Despite this, over half of Americans do not have a home inventory.
Insurance Attorneys
Believe it or not – videotaping or photographing your home contents is an excellent way of preserving evidence of your home's contents! Simply go room to room and video tape everything in it and narrate the items such as make model and serial number of electronics, descriptions of art or wall hangings and furniture stating where and when you purchased the item and for how much. You can also video receipts. Be sure to open drawers and record closest contents, even your refrigerator and freezer to estimate a food loss in the event you lose power. You will be surprised how much 'stuff' you can be compensated for that you would not have remembered but for the video or photo.
Taking an inventory of your home is a very simple task and shouldn't take long to complete. Many homeowners keep copies of their home inventories online or in fire/water proof safes or bank safety deposit boxes. There are several scenarios where keeping an inventory of your possessions may pay off in the long run.
- Burglary. In case of a burglary, items that are stolen from your home or damaged may be covered by your homeowner's insurance. In order for this to happen, you must have documentation proving that you did indeed own these items and the approximate monetary value. With many burglaries these days, high-value electronics such as TVs, DVD players, and gaming devices are generally targeted. Be sure to take down the serial number of these devices so that you can easily provide proof of purchase.
- Mold. Mold is capable of damaging upholstery, curtains, and even furniture. Your home may require fumigation, or even worse, certain items may need to be destroyed if they present a health hazard. Damage to your possessions due to mold usually falls under the terms of most homeowner's insurance policies. Check your policy to determine of you have coverage for mold damage or if it must be purchased separately. You can use the money covered by your insurance to help finance the cost of fumigation or the replacement of furniture.
- Fire. In the event of a fire, a properly itemized list is critical when making an insurance claim. Fire by its nature destroys just about every trace of evidence available. The only way you or your insurance company can know how much you are able to recover from your loss is by having a detailed list of your possessions. Keeping a backup of your home inventory in a fire-proof safe or alternative location is a good idea in case of an emergency.
No matter what the emergency is, a home inventory can do wonders to keep your valuables safe and your peace of mind intact. Navigating some of the finer legal points of homeowner's insurance policies can be difficult, so be sure to talk with an experienced insurance attorney at the Law Offices of Michael B. Brehne, P.A. who understands the process and can explain what coverage you have, and what you need.
If you have any further questions about homeowner's insurance and home inventories, contact the Law Offices of Michael B. Brehne. P.A.
Home Inventory 3 8 2 – Easily Inventory Your Possessions One
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Direct mail 4 1 download free. Nearly 60% of Americans do not have a home inventory of their possessions, and of those that do, 48% do not have any receipts evidencing their value.¹
It's great to have insurance against damage and loss, but if you can't show proof of your possessions, it may result in a protracted settlement process with your insurance company.
Four Tips for Creating an Inventory
Creating an inventory may take a bit of upfront work, but it can pay future benefits in smoothing the claims settlement process with your insurer and increase the potential of receiving the maximum payment possible.
Tip #1—Make a Video of Your Possessions
A visual record of your possessions is the best proof of ownership. When videoing your home contents, make sure you are methodical and thorough in going through all your rooms and storage spaces. Speak while you are taping to describe each item, including any relevant information (e.g., 'this is a signed first edition of 'Moby Dick.')
Tip #2—Document Value of Your Items
If you have any further questions about homeowner's insurance and home inventories, contact the Law Offices of Michael B. Brehne. P.A.
Home Inventory 3 8 2 – Easily Inventory Your Possessions One
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Home Inventory 3 8 2 – Easily Inventory Your Possessions Will
Direct mail 4 1 download free. Nearly 60% of Americans do not have a home inventory of their possessions, and of those that do, 48% do not have any receipts evidencing their value.¹
It's great to have insurance against damage and loss, but if you can't show proof of your possessions, it may result in a protracted settlement process with your insurance company.
Four Tips for Creating an Inventory
Creating an inventory may take a bit of upfront work, but it can pay future benefits in smoothing the claims settlement process with your insurer and increase the potential of receiving the maximum payment possible.
Tip #1—Make a Video of Your Possessions
A visual record of your possessions is the best proof of ownership. When videoing your home contents, make sure you are methodical and thorough in going through all your rooms and storage spaces. Speak while you are taping to describe each item, including any relevant information (e.g., 'this is a signed first edition of 'Moby Dick.')
Tip #2—Document Value of Your Items
Scan or video receipts of the items in your home. Indicate the make and model where appropriate. If you have artwork or antiques, consider creating a record of any appraisal you may have received on your collectibles. Doo 2 0 0 – turn your reminders into cards.
Home Inventory 3 8 2 – Easily Inventory Your Possessions Like
Tip #3—Secure Your Inventory
An inventory doesn't help much if you keep it in the house and your home burns to the ground. If your video is digital (highly recommended), consider storing the file in a 'cloud' account, rather than on your computer, or on a USB stick stored in a safety deposit box.
Tip #4—Keep Your Inventory Updated
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Failure to regularly update your inventory may mean leaving off expensive new purchases.
Get started by asking your insurance agent if he or she has an inventory checklist, which may help you remember to include items that you might otherwise overlook.
- National Association of Insurance Commissioners, 2018 (Most recent study completed in 2012.)
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2021 FMG Suite.