Defense Against Crime

27/09/2012

Tips for doing a home inventory

The late comedian George Carlin had a comedy routine, that referred a home a a place for your stuff. Perhaps this stuff includes a favorite keepsake from childhood, or a photo album of your trip to Israel. Consider that beautiful diamond necklace from your wedding anniversary. Ponder that nice flat screen TV you got to watch your favorite games. These are but some of the valuable stuff that you may have in your home that could get lost through theft or natural disaster damage. Are you doing everything possible to protect the treasures in your castle from theft? While you may have a nice security system that can reduce your chances of a burglary, no system is really fool-proof. There is also the reality that no human system yet created can protect you some from a natural disaster. Replacing our homes after a loss is very important, but replacing our stuff is one the most important aspects of picking up the pieces and putting our lives back together.

The Boy Scout motto is ‘Be Prepared.’ Preparation and anticipation of the possible scenarios are paramount when it comes to protecting your home and the things in it. Here is something you many not know. In the case of loss, you must have PROOF of ownership to provide your insurance company of the items that you lost. According to all statistical data, about 59% of those with just renters insurance do not have home inventory of their possessions. When you consider only the natural disasters, such as wild fires, floods, and tornadoes that have affected the people in the United States alone, then you may get an inkling of the potential loss.

Having a proper inventory of the valuables in your residence adds clarity and promptness to insurance claims settlements and helps you determine if you have enough insurance to help cover your valuable in the case of a loss. In general most resident contents are reimbursed up to 50% of the resident’s insured value. For example if a home is insured for $100,000, then the personal property limit would be only $50,000. This is according to the National Association of Insurance Commissioners.
If you sit down and count the replacement values of your household content including jewelry, electronics, power tools, furniture, clothes, etc. you may find that you your policy many not be enough to cover everything in case of a total loss. You will need to check your insurance policy or contact your insurance company on whether you have “Replacement Cost Coverage” on your personal content so you are not limited to the depreciated value of your stuff.

How to Document your Stuff

Home inventory software is also available from a variety of sources such as http://www.knowyourstuff.com or search on sites like download.com or visit your office supply store. An electronic inventory can be stored on digital media, placed on personal Web space or photo sites like http://www.box.net or e-mailed to yourself, protecting it in cyberspace so that it can be located in the event that the computer is stolen or damaged.

  • Use color photos, a video camera, or your smart phone and if possible that includes time stamps. But sure to use both wise angle and close-ups shots of your valuables and your home.
  • Include a family member in the photo to help prove/verify ownership.
  • List your items from most expensive to least expensive
  • With each item include detail information like model number, serial number, and cost of item
  • Include receipts, purchase orders, invoices, appraisals, warranties, tax records.
  • Keep your inventory list updated when you add or remove items from your residence.
  • Keep records in a safe location OUTSIDE of your home, such as on the internet directory ,a relative’s house or a bank safe deposit box
  • If you can locate an identification marker or kit, please use it on your valuables so that you can identify any stolen stuff sold to pawn shops.

PepperEyes.com is dedicated to providing you with the best and most affordable personal protection products on the market to meet the security needs of you, your family members or your business, by assisting anyone who is unwilling to become a victim of crime. If you want to take personal responsibility for yourself, your home or your business, purchase our high quality discount personal protection products and arm yourself with the knowledge of the best way to stay secure in an ever-increasing violent world. In today’s society being equipped mentally and physically is no longer an option. PepperEyes.com is a division of Onyx Knight Enterprises

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