Home Inventory

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Home Inventory Software
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Why You Need to Make a Home Inventory

Although we all claim that we have perfect memories; most of us cannot remember every single item that we have purchased. With the constant shopping obsession around the globe, this is not a shocker. But what if our belongings were stolen? What do we do then? In order to make sure everything is accounted for, a home inventory is necessary. Normally, an inventory consists of every item you own. Even though this sounds overwhelming, it is important to keep track of these purchases. So what exactly should this list include? Everything needs to be recognized, from furniture to jewelry, artwork, clothes, carpets, drapes, computer equipment, lawn mowers, tools, sports equipment, music instruments, mirrors, and clocks. We weren't joking - EVERYTHING is important.

Inventories are crucial because they provide proof of purchase to your insurance company. Unfortunately, without proper documentation, you will not be able to file a claim for property damage or loss. If you are able to, you probably won't make it very far. Stressed to the max? Organization is paramount when approaching this type of project. First and foremost, you should categorize your belongings. Many people like to sort them by room, which makes it much clearer. After all, the process looks more inviting once you break it down.

After a list is created, include the details. These should consist of the item's description, quantity, manufacturer, model number, description in regards to how it was purchased, the date of purchase, receipts, current value information, as well as photocopies of appraisals. Seeing as this may take a long amount of time, you will have to start early. It is recommended that once you buy a home, you should begin your list of items. This makes things easier since everything will be organized and packed away.

Once the inventory has been finished, you should add visual proof. Photographs or videotapes are a great backup, in case the insurance company is really trying to outdo your claim. If you decide to use a camera, it is vital that you still keep details. Try labeling each photo with the necessary information. You may want to prepare an alphabetized photo book. Any way is the right way - as long as it is detailed and organized.

If you decide to video record it, you should also comment on every item. For those who just don't have the time to sit down and write comments, this is the perfect solution. You'll be able to verbally record details of each item, and provide evidence at the same time. Also make sure to date your video. Often times, insurance companies will argue that the video may not be up to date. Trust us - avoiding road blocks is the way to go.

When the inventory is complete, we are sure that you will feel much more protected. As long as you keep it in a safe place (preferably at another disclosed location), you can rely on this document in case of an emergency. No matter what you do, make sure you update all of the information. Many homeowners forget to add items to the list once they are purchased. Computer programs such as Excel are wonderful tools to keep things organized.