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Insurance Requirements
When filing for destroyed or stolen items, per-recorded documentation will make a claim easier and more credible. Most insurance companies suggest a documented record of belongings. The format is not the same across the various insurance companies but the expectation is! Just having your insurance policy doesn’t necessarily mean you’ll recoup 100% of your loss if you and your family fall victim. Most people are simply not able to remember EVERYTHING they had and most of us don’t keep our receipts off site. When disaster does strike and an adjuster comes to assess damage from a loss; no receipts and no photos means no proof. Not having proof of your items means you will not receive the full value from your claim.
Proving your losses by memory alone is simply not a solution and either is trying acquire proof of purchase for everything of value you own. This is especially true when it comes to family heirlooms and items of value that have been passed on from generation to generation.
Did you know that when making an insurance claim a
photo is worth as much as an actual receipt to your insurance company? Tours D’ Force has the perfect solution for you AND your valuables with their Home Inventory Virtual Tour! We will photograph, document and securely store all of your valuables on our secure servers and onto a CD for you and one stored in your insurance agent’s file at their agency for your proof of ownership which is only a mouse click away!
Here are a few insurance company quotes regarding the value of a home inventory:
Traveler’s Insurance
“Conducting a Personal Property Inventory” literature states: “Take the time to compile an inventory of your home now, and it will save you precious time and frustration later.” “Benefits of having a personal property inventory include:
Helps to ensure you have the coverage you need.
In the event of a loss, it makes it easier for you to file a complete and prompt claim, supported by accurate documentation.
Helps determine the replacement cost of your lost or damaged possessions to settle your claim quickly.”
Farmers Insurance Group
The following can be found on the back of their "Household Contents Inventory Record Book" - "This record can be worth thousands of dollars to you. Keep it in a safe place outside your home."
State Farm Insurance
They offer the following under their "Home Inventory Tips" - "The threat of loss of property from fire, theft, or other causes is always present. An accurate inventory and proof of ownership at the same time of a loss can make claim settlement easier and faster."
Allstate Insurance
Under their "Your Property" section, they ask you to ask yourself, "Do I have an inventory and photographs?"
State Auto Insurance Co.
“If someone has become injured on your property or if a violent storm destroys your home, you will need to file a claim with your insurance company. Remember, a homeowner’s policy is a contract between you and your insurance company. And there are rules and procedures that you and your insurer must follow. Read your insurance policy to see what your responsibilities are.
You are going to need to substantiate your loss. Avoid throwing out damaged items until the adjuster has visited your home. You should also consider photographing or videotaping the damage. Prepare a home inventory, make a copy for your adjuster and supply him or her with copies of receipts from damaged items.”
Progressive Insurance
“When you purchase a home and a homeowner’s insurance policy, you should create an up-to-date home inventory to expedite a claim settlement if you ever need to make one. With a complete home inventory, your insurance company can verify property easier, which makes settling your claim easier. Plus, you can easily verify losses for your income tax return with an updated home inventory.
Start your home inventory by making a list of your possessions, describing each item, and noting the make and model and where each item was purchased. Include sales receipts, purchase contracts and appraisals if you have them, too. Organize clothing into categories for easier reference.”
A few home inventory organization tips:
• Remember to list big-ticket items like jewelry, artwork and collectibles.
• Take pictures of rooms and important individual items.
• Videotape your home by walking through it and describing the contents throughout the house.
• Save an inventory list on your personal computer and store it on a separate disk or drive.
• Put all your photos, lists and videotape documentation in a safe deposit box.
MEEMIC Insurance
“Prepare an inventory of damaged and stolen property, providing a description of the item, quantity, age, replacement cost and amount of loss claimed. Attach all bills, receipts, and related documents that substantiate the figures in the inventory.”
Let’s Get Started!
An up-to-date home inventory of your property will give you security and peace of mind knowing that you have in hand the information you need to protect yourself.
Placing an order with Tours D’ Force is made easy with our secure online pay pal shopping cart solution. Pay Pal membership is not necessary to place an order.
Simply add to your cart the Tours D’ Force Insurance and Home/Business Inventory Tour package below along with any home inventory add-ons you would like to acquire from us. When you are finished simply proceed to checkout.
Once you have submitted your payment kindly fill out our “Virtual Tour Details” form located
HERE .
We will contact you immediately thereafter to setup and schedule your home or business inventory virtual tour shoot.
Or contact us; P: 517-486-4209 E: hal@toursdforce.com to set-up a convenient time for your Home or Business Inventory Virtual Tour.
Download Our Home/Business Inventory Tour Brochures
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