The threat of loss of property from fire, theft or other causes is always present.
An accurate inventory and proof of ownership at the time of a loss can make claim settlement easier and faster.
The inventory will take time to compile, but the time and frustration it may save you later will more than make up for it.
What is Renter’s Insurance:
Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.
Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that's right for you.
If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
• Personal property (furniture, electronics, computer equipment, clothing, etc.)
• Personal liability if someone is hurt, whether in your home or away from it
• Damage to your apartment or home caused by a covered loss
http://homeowners.progressive.com/renters-insurance-quote.aspx
Thursday, July 15, 2010
Saturday, June 19, 2010
Stories of Tragic Loss
Everywhere we go we hear stories of tragic loss due to fire, storm or theft. The most recent story was about someone who recently was home during the day when she noticed the smell of smoke. By the time she gathered her two pets and moved them to a safe location outside, there were flames coming out of the windows. The house was a total loss even with the fast response by the fire department. While a final determination on the cause of the fire has not been made, recent renovations are being looked into.
Not only are they now going through the process of finding a place to live and buying the essentials, they are beginning the insurance claim process. She was smart enough to know that she could not gather her valuables as she was leaving but now has to try to remember everything they lost. The longer it takes for them to make this list, the longer it will take them to get a settlement check.
People lose thousands of dollars because they can’t remember everything they had or don’t have proof for items that are not a normal home possession. A home inventory created and saved in an off-site location would have given them a big head start on getting their insurance claim settlement. With photographs and individual item details, such as serial and model numbers, the adjuster will be able to give an accurate valuation.
Record-It can provide the full documentation, photograph and video of your property so that you don't have to worry about how you will get your life back to normal.
Call for a free estimate 678 369-4889.
Not only are they now going through the process of finding a place to live and buying the essentials, they are beginning the insurance claim process. She was smart enough to know that she could not gather her valuables as she was leaving but now has to try to remember everything they lost. The longer it takes for them to make this list, the longer it will take them to get a settlement check.
People lose thousands of dollars because they can’t remember everything they had or don’t have proof for items that are not a normal home possession. A home inventory created and saved in an off-site location would have given them a big head start on getting their insurance claim settlement. With photographs and individual item details, such as serial and model numbers, the adjuster will be able to give an accurate valuation.
Record-It can provide the full documentation, photograph and video of your property so that you don't have to worry about how you will get your life back to normal.
Call for a free estimate 678 369-4889.
Tuesday, June 15, 2010
Inventory Used Filing a Police Report for Property Theft
Once you discover that you have had a break-in you may feel angry, shocked and unsure what to do about it. Recovering your property may depend on how quickly and accurately you can report what what stolen.
After you call the police, you should prepare full documentation on each item that includes photographs, serial numbrers, brand and model numbers. A third party generated home inventory provides the validation and full details for the police report.
eHow has a great article about the steps you should take when you need to file a police report.
After you call the police, you should prepare full documentation on each item that includes photographs, serial numbrers, brand and model numbers. A third party generated home inventory provides the validation and full details for the police report.
eHow has a great article about the steps you should take when you need to file a police report.
Saturday, June 5, 2010
Prepare Before Spring Storms
Recent natural disasters and media attention has raised homeowners awareness of the need to be prepared for a disaster from storm damage, fire or theft. Most homeowners are now aware of the importance of a home inventory but simply don’t have the time or patience to perform one themselves.
Look around now and assess if you can list all your property assets and their details if it was suddenly gone. Don't be caught unprepared - it could cost you thousands of dollars!
We at Record-It Home Inventory can help you to have peace of mind knowing that you have taken the proper steps to safeguard your family documents and property. Your comprehensive inventory is so important to a speedy recovery! Contact us to get started on ensuring your family's future! 678 369-4889
Look around now and assess if you can list all your property assets and their details if it was suddenly gone. Don't be caught unprepared - it could cost you thousands of dollars!
We at Record-It Home Inventory can help you to have peace of mind knowing that you have taken the proper steps to safeguard your family documents and property. Your comprehensive inventory is so important to a speedy recovery! Contact us to get started on ensuring your family's future! 678 369-4889
Tuesday, June 1, 2010
As grilling season approaches, remember recipes for fire safety
NFPA urges grilling fire safety
As grilling season approaches, remember recipes for fire safety
http://www.nfpa.org/newsReleaseDetails.asp?categoryid=488&itemId=47074&rss=NFPAnewsreleases
April 20, 2010 – The National Fire Protection Association (NFPA) is reminding outdoor cooks not to forget about grill fire safety as the peak months for grill fires arrive. People with gas grills should take extra precautions. In 2003-2006, gas-fueled grills were involved in 81 percent of reported home grill fires and were involved in 6,400 home fires, including structure and outside fires. The lead ing cause of gas grill fires was a leak or break in hoses.
“Nobody wants to see their backyard barbeque go up in flames,” said Lorraine Carli, vice president of communications for NFPA. “There are simple measures that can be taken to avoid charring dinner and setting anything on fire.”
Although gas grills are used approximately one-and-a-half times more often than charcoal grills, they were involved in five times as many fires. Charcoal or other solid-fueled grills were involved in 1,300, or 16 percent, of home grill fires. The leading cause of these fires was something that could burn being located too close to the grill.
In 2007, approximately 9,600 people went to hospital emergency rooms because of thermal burns caused by grills. About one-third of the burns from gas grills happened while lighting the grill. Gasoline or lighter fluid was involved in roughly one-quarter of charcoal or wood grill burns. Children under five accounted for roughly one-quarter of thermal grill burns. Most of these burns occurred when the child bumped or touched the grill.
NFPA offers the following grill safety tips:
• Use propane and charcoal grills in outdoor areas only.
• Make sure the grill is located well away from the home, deck railings and out from under eaves and overhanging branches.
• Keep children and pets away from the grill area: declare a three foot “kid-free zone” around the grill.
• Use long-handled grilling tools to give plenty of clearance from heat and flames.
• Remove grease or fat build up from the grills and in trays below the grill so it cannot ignite.
• Never leave the grill unattended.
Gas grills:
• Check the gas tank hose for leaks before using it for the first time each year by applying a light soap and water solution to the hose. If there is a propane leak, it will release bubbles. If you do find a leak and there is no flame, do the following:
o Turn off the gas tank and grill.
o If the leak stops, have the grill serviced by a professional before using it again.
o If it does not stop, call the fire department.
• If you smell gas at any point while cooking, get away from the grill immediately and call the fire department.
• Use only equipment with the label of a recognized testing laboratory. Follow the manufacturer’s instructions on how to set up the grill and maintain it.
• Never store propane gas tanks in buildings or garages. If you store a gas grill inside during the winter, disconnect the cylinder and leave it outside.
Charcoal grills: • If you use a “charcoal chimney” to start charcoal for cooking, use a long match to avoid burning your fingers when lighting the paper.
• If you use starter fluid, only use charcoal starter fluid and never add charcoal fluid when coals or kindling have already been ignited.
• Never use gasoline or any other flammable liquid to get the fire going.
• Keep charcoal fluid away from children and heat sources.
• When you are finished grilling, let the coals cool completely before disposing of them in a metal container.
For more safety tips, videos, facts and figures, and audio clips, please visit www.nfpa.org/grilling.
NFPA has been a worldwide leader in providing fire, electrical, building, and life safety to the public since 1896. The mission of the international nonprofit organization is to reduce the worldwide burden of fire and other hazards on the quality of life by providing and advocating consensus codes and standards, research, training, and education.
Minimize the Loss
Begin today to identify your valuables and personal property that you will need to identify in an insurance claim should you have a home fire. It is too hard to remember what you had once it is all gone. You will get more from your claim and have a faster settement if you have made an inventory beforehand. Our home inventory service can provide you with the needed documentation in a fast professional manner. Call us at Record-It Home Inventory for a free estimate and get the peace of mind you need. 678 369-4889
As grilling season approaches, remember recipes for fire safety
http://www.nfpa.org/newsReleaseDetails.asp?categoryid=488&itemId=47074&rss=NFPAnewsreleases
April 20, 2010 – The National Fire Protection Association (NFPA) is reminding outdoor cooks not to forget about grill fire safety as the peak months for grill fires arrive. People with gas grills should take extra precautions. In 2003-2006, gas-fueled grills were involved in 81 percent of reported home grill fires and were involved in 6,400 home fires, including structure and outside fires. The lead ing cause of gas grill fires was a leak or break in hoses.
“Nobody wants to see their backyard barbeque go up in flames,” said Lorraine Carli, vice president of communications for NFPA. “There are simple measures that can be taken to avoid charring dinner and setting anything on fire.”
Although gas grills are used approximately one-and-a-half times more often than charcoal grills, they were involved in five times as many fires. Charcoal or other solid-fueled grills were involved in 1,300, or 16 percent, of home grill fires. The leading cause of these fires was something that could burn being located too close to the grill.
In 2007, approximately 9,600 people went to hospital emergency rooms because of thermal burns caused by grills. About one-third of the burns from gas grills happened while lighting the grill. Gasoline or lighter fluid was involved in roughly one-quarter of charcoal or wood grill burns. Children under five accounted for roughly one-quarter of thermal grill burns. Most of these burns occurred when the child bumped or touched the grill.
NFPA offers the following grill safety tips:
• Use propane and charcoal grills in outdoor areas only.
• Make sure the grill is located well away from the home, deck railings and out from under eaves and overhanging branches.
• Keep children and pets away from the grill area: declare a three foot “kid-free zone” around the grill.
• Use long-handled grilling tools to give plenty of clearance from heat and flames.
• Remove grease or fat build up from the grills and in trays below the grill so it cannot ignite.
• Never leave the grill unattended.
Gas grills:
• Check the gas tank hose for leaks before using it for the first time each year by applying a light soap and water solution to the hose. If there is a propane leak, it will release bubbles. If you do find a leak and there is no flame, do the following:
o Turn off the gas tank and grill.
o If the leak stops, have the grill serviced by a professional before using it again.
o If it does not stop, call the fire department.
• If you smell gas at any point while cooking, get away from the grill immediately and call the fire department.
• Use only equipment with the label of a recognized testing laboratory. Follow the manufacturer’s instructions on how to set up the grill and maintain it.
• Never store propane gas tanks in buildings or garages. If you store a gas grill inside during the winter, disconnect the cylinder and leave it outside.
Charcoal grills: • If you use a “charcoal chimney” to start charcoal for cooking, use a long match to avoid burning your fingers when lighting the paper.
• If you use starter fluid, only use charcoal starter fluid and never add charcoal fluid when coals or kindling have already been ignited.
• Never use gasoline or any other flammable liquid to get the fire going.
• Keep charcoal fluid away from children and heat sources.
• When you are finished grilling, let the coals cool completely before disposing of them in a metal container.
For more safety tips, videos, facts and figures, and audio clips, please visit www.nfpa.org/grilling.
NFPA has been a worldwide leader in providing fire, electrical, building, and life safety to the public since 1896. The mission of the international nonprofit organization is to reduce the worldwide burden of fire and other hazards on the quality of life by providing and advocating consensus codes and standards, research, training, and education.
Minimize the Loss
Begin today to identify your valuables and personal property that you will need to identify in an insurance claim should you have a home fire. It is too hard to remember what you had once it is all gone. You will get more from your claim and have a faster settement if you have made an inventory beforehand. Our home inventory service can provide you with the needed documentation in a fast professional manner. Call us at Record-It Home Inventory for a free estimate and get the peace of mind you need. 678 369-4889
Saturday, May 15, 2010
Estate Planning Using Home Inventory
Making your estate plan? Only you know what you want to happen with your valuables during the execution of your will. The best way to leave clear instructions is to work with your lawyer and provide detailed documentation of your property. Information you can provide in your home inventory to be used with your estate plan/will are:
- Photographs of each item
- Purchase, Appraisal, and Warranty information
- Detailed descriptions
- Notes / special instructions for each ite - even the people's names you want to designate receiving the item
Record-It Home Inventory service is recommended by financial planners to easily identify valuables when making estate plans.
Tuesday, May 4, 2010
Asset Valuation
Do you know if you will get the right settlement from your insurance claim? Reviewing your assets and their total value will give you the information needed to then review your policy for correct coverage.
You'll need to estimate how much that item would cost to replace, not how much it may have cost you when you first bought it. Keep in mind that something like clothing or computers may depreciate over time while other things like record collections may gain in value.
The more information you have about your damaged possessions, including the make and model or a description of the item, the faster your claim generally can be settled.
It would also be helpful to have photos of your home both before and after the disaster. The digital images and comprehensive reports provided by your home inventory professional will help facilitate the claims process and ensure that no items are forgotten.
You'll need to estimate how much that item would cost to replace, not how much it may have cost you when you first bought it. Keep in mind that something like clothing or computers may depreciate over time while other things like record collections may gain in value.
The more information you have about your damaged possessions, including the make and model or a description of the item, the faster your claim generally can be settled.
It would also be helpful to have photos of your home both before and after the disaster. The digital images and comprehensive reports provided by your home inventory professional will help facilitate the claims process and ensure that no items are forgotten.
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