Florida Inventory Services
Home And Business Assets Inventory
Cover Your Assets!
What Is An Assets Inventory?
An Assets Inventory is a detailed specific list of the personal property or assets in your business or your home.
Business Assets Inventories typically include:
Networking equipment Printers and scanners
Software licenses Office furniture
Electronics (PDA's, company cell phones, etc…) Faxes
Filing Cabinets Phones
Answering Machines Stereo Systems
Home Assets Inventories typically include:
Dishware and silverware Closet contents
Carpets, drapes Computer equipment & all electronics
Musical instruments Sports equipment
Garage, attic, tool shed contents Toys, books, CD's
Any other items of value
Generally speaking, an Assets Inventory includes all objects of commercial or sentimental value that would warrant in insurance claim if they were to disappear.
How Does An Inventory Protect My Assets Against Disaster?
An assets inventory is important for several reasons. For one, it helps establish how much insurance you need and whether you need special riders to cover items of great value. And in the event of a loss, it provides proof for your insurer of what needs replacing.
What's more, if some costs are not insured, it helps establish whether you have a so-called casualty loss that can be deducted on federal income tax returns.
State Farm Insurance states: “The threat of loss 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.”
The National Crime Prevention Council (NPCC) states “Make a list of your valuables – DVD Players, VCR's, stereos, computers and jewelry etc… Take photos of the items, list their serial numbers and description.”
"Our adjusters tell us that they might see one or two home inventories in a year," said Pete Moraga, a spokesman for Allstate Insurance. "That's out of hundreds of claims."
"I can't emphasize enough how important they are," Moraga said. "It's not that big of a deal in a partial loss, because you can still see and piece together what you lost. But, in a total loss like we've seen in some of the fires and tornadoes, it's incredibly difficult to remember everything you had."
Consider: How many compact discs do you own? Videotapes and DVDs? Computer programs? Shirts, skirts, coats, socks? How about kitchen utensils, pots, pans, bowls, china and crystal?
"Most people can't remember what they had for lunch, much less what's stored in the attic," said Jean Salvatore, spokeswoman for the Insurance Information Institute .
The stress of loss is NO time to rely on your memory. Our services provide an accurate documented inventory of your home or business and possessions to ensure proper settlement at the time of a claim.
Our documentation services can also assist you in estate planning, moving and storage preparation, asset liquidation and more.
Know What You Own Before It's Gone!
Cover Your Assets!
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