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We all hope and pray we’ll stay safe from fire, theft or other disasters, but life doesn’t come with those guarantees.
Any kind of loss is devastating. Whether it’s a major fire or a minor burglary, it’s stressful and emotional. All you want to do is make your insurance claim and start putting your life back together as quickly as possible. After all, that’s why you have insurance, right?
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It sounds simple – but making a claim is harder than you think.
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You’re probably fairly confident that you have adequate contents insurance.Well, beware! In order to make your claim, you will need to provide all of the following:
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- A complete, detailed inventory of everything you owned (just close your eyes right now and try to itemize every single thing in the room you’re in!)
- Valuations
- Serial numbers, makes and models for all major items
- Proof of ownership
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| At Assets Documented we make sure you’re fully covered. |
We specialize in preparing detailed, itemized inventories which will enable you to make sure that you’re properly prepared. Among other things we provide the following:
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- A detailed inventory – including all the little things which you would likely forget about in the devastating event of a fire. Things that can add up to tens of thousands of dollars if you don’t add them into your inventory.
- The value of collections such as art, jewellery, books or sporting equipment. Because those and other categories are usually subject to a limit, you could find you’re seriously out of pocket unless you know the value, and increase those caps accordingly.
- Serial and model numbers for electronics and appliances.
- Replacement values for everything.
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Insurance companies estimate that a detailed inventory could help you recoup as much as 20% more of your total claim compared to if you don’t have one. That could be tens of thousands of dollars!
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Disasters reveal to us that most people are underinsured by 40% on average. |
And that estimate is conservative – many of our clients have been underinsured by as much as 60-70%. Most people have no idea of the value of their property until they see it all itemized in an inventory.
Plus, your collections of art or sporting equipment, for instance, may exceed the limit on those particular categories. Even if your total contents coverage seems adequate, you may still be underinsured for certain items.
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If you think you’re covered … think again! |
Unfortunately, the more you lose, the harder it can be to recoup your entire claim from your insurance company. In the event of a fire, you will be expected to account for everything you owned, and that’s the last thing you need when dealing with the loss of your home.
An itemized inventory from Assets Documented will help you maximize your claim and make the process faster and easier.
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Call today for a FREE consultation
(403) 616-7972 or email at protection@assetsdocumented.com
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