It is so important to have an inventory of your belongings. People have little art, collectors or expensive high-level e often think they have enough to justify an inventory. You will see that it's worth the time or money to make this information available If you have a fire, theft or natural disasters.
First, why do you have insurance? Because if you have a loss, your insurer will give the money to recover. So if you have insurance, you need he owns and wants to be back.
If the time comes when you must file a claim, you must complete a list of everything you lost, you paid for it and when you bought it. Can you do that, even if you do not have much? Answer these questions, however: how many CDs and DVDs you have? How many Articles of clothing? How many pairs of shoes?
This is a task for you - take the time to tell you now, and note the number of each. Count how many pairs of shoes you have and how many garments are suspended only in a closet. Then count the CD in any home or apartment. Most likely there underestimated the amount you have. If you do not ask the right amount, I do not understand!
One of our clients have thought about 300 CDs. After counting, was found to be 527! That's an understatement to 227. Take That for $ 13, but not included about $ 3000 worth of CDs! A student reported a flight-only CDs 30. Was asked to list by title. He could not remember them all. Both situations show the importance of inventory - Even if you do not believe it has enough problems.
What if you miss a leather jacket? This is usually at least one item $ 300. Let's say you have made a complaint in July. It took a while to settle with the insurance company (usually 4 to 12 months to complete the application if you have no inventory). Has remained more memory and other objects, if the application was open until the period of one year is approaching. So now it is July next year, and you will receive your insurance verification. You buy what you need (or rather pay the credit card used to buy what you need during this year). A few months later, the weather turns cold and open the closet of his leather jacket and ... not! This is one of the items you forgot to claim.
Money was the settlement, the application quits, and you realize that you never recover only $ 300. This game can be played more for most items a house, apartment or business. Of course, you remember the sofa bed, dressing, etc, but what about the clothes, sheets, CDs, DVDs, VHS tapes, jewelry? The list can go on and on. Another customer of ours had over 200 links, and your average cost per tie is $ 40!
Now, do you think do not have enough to worry about inventory? Document of ownership or lease of a service inventory. The investment in time or money's worth.
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