Claims adjusters consider it a standard part of the job to counteract fraudulent or exaggerated claims. They are trained to look for fraudulent documentation such as photos or video of items that were not actually property of the homeowner making the claim.
The best way to ensure that you get through the claims process quickly and without issue, is to have a detailed inventory report along with sales receipts which prove value and ownership. With the proper documentation and proof, your claim will not be challenged and will be processed quickly.
For further information on the benefits of a home or business inventory, visit www.jlksystems.com.

A home inventory report provides the critical information needed when filing an insurance claim due to destruction, damage or theft to your home and possessions, thereby, eliminating the need to create this detailed information by memory. The report can also be used to supplement your will as it allows you to provide the beneficiary designation for each item including background information on each item such as when it was purchased, how long it has been in the family, etc. It ensures you peace of mind that your possessions are going to those to whom you intended them to go to as well as eliminating any conflicts or disagreements between family members.
A home inventory protects you and your possessions today as well as in the future.
For further information on a home inventory report, visit www.jlksystems.com

Do you know where all your key documents are - such as insurance policies, will, mortgage document, birth certificates, passports, etc. It is important to find these documents and put them in a secure location - outside your home such as a safety deposit box. Taking the time now to locate all key documents allows you to quickly access these documents in the future.
As part of the JLK Systems Home and Business inventory portfolio, key documents can be scanned into the portfolio as well as it indicates where the original document is kept.
You can rest easy knowing all your important documents are safe and that you can easily locate them.
For further details on a home or business inventory, visit www.jlksystems.com

What better time to prepare a home inventory - then when you are preparing to move. During this process, you are sorting through your possessions and getting rid of items you don't want to pack and unpack. You are also sorting through papers and files and can more easily locate receipts and appraisal certificates.
What a comfort to know that your new home and possessions are protected in case of fire, theft, tornado, etc. Your detailed home inventory portfolio will provide all the documentation required by the claims adjuster which will make the claims process go quicker and smoother. You can also rest assured that you will receive a settlement covering the full extent of the loss as you have contained within your inventory report - proof of ownership and value.
Let JLK Systems help with your home inventory. Visit www.jlksystems.com for futher information.

Each insurance policy has a section that refers to the "limitations" (limited coverage) of specific items such as artwork, jewelry, furs, firearms, gold, silver, etc. It is important to know what the limits are for these items - especially if you collect or have inherited these items. You can increase the coverage of these items by purchasing special coverage which adds the specific items to your policy and insures them for the full value.
If loss or damage were to occur and you try to file a claim covering the full value - the claim will be rejected and you will only receive the "limited" amount stated within your policy.
For further information, visit http://www.jlksystems.com/

If you are not prepared with a home or business inventory, you are putting your savings or retirement funds at risk. How is this possible?
Without the proper documentation which includes proof of ownership and value, you may need to dip into your savings or retirement funds to rebuild your home and replace your possessions. When the unforeseen happens, be prepared with a detailed inventory report so that you can begin the claims process immediately and receive a settlement covering the full extent of the loss.
For further information on how to be prepared and financially protected, visit www.jlksystems.com. You can also read about the benefits of a home inventory at www.dannylipford.com.

We recently had a need to replace the air compressor we have had for many years. We went to Home Depot to check out their line of air compressors and did find one that would work for us. But is was a much larger and more expensive one than we currently had.
Such purchases are important to add to your home inventory list because without proof of purchase (receipt) and details such as purchase price, model number and serial number - you would not be reimbursed for the upgrade but for a standard model.
For further information on the benefits of a home or business inventory, please visit www.jlksystems.com.

Are you an avid skier? Do you spend every week-end boating? Do you enjoy working on cars and as a result, have an extensive inventory of Craftsman tools?
If damage or theft were to occur to your home, garage or pole barn - would you be able to recall all the items associated to your hobby? Having an inventory of those items, determines not only how quickly you can resume your hobby but ensures you will receive a settlement covering the full extent of the loss.
For further details, visit www.jlksystems.com or www.dannylipford.com for an article regarding the benefits of a home inventory.

It is very beneficial to document all the remodeling projects that you do to your home. 1) Remodeling typically increases the value of your home and as a result, you may need to update the value of your homeowners policy. An inventory provides the details that provides the proof of the added value to your home. 2) Assists with getting an accurate appraisal of your home. 3) If you are selling your home, you can reference the inventory report to show potential buyers what improvements you have made to your home.
For further information on a home inventory, visit http://www.jlksystems.com/. You can also visit http://www.dannylipford.com/ and review the Home Inventory article on his home page.

Check out my article "Home Inventory: How to Document Your Personal Property" on the home page of the Danny Lipford site. Danny is the home improvement expert and has his own TV show, radio show and is featured on The Weather Channel.
http://www.dannylipford.com

If you are moving and need to temporarily put items in storage or you are remodeling and need to get things out of the way or maybe you just need to declutter but aren't ready to throw things away - whatever it is, protect those items while they are being stored. The best thing to do is to have an inventory taken of those items. It will provide all the required information needed, including photos and video, to file an insurance claim due to damage or theft. If addition, if you need to quickly retrieve an item -your inventory list will also include the box number. So instead of guessing what box the item is in - you can go right to it.
For further information on a home inventory, visit www.jlksystems.com

If you don't have a home or business inventory - you are putting your savings and retirement funds at risk. How is this possible?
If the unfortunate were to occur and your home was destroyed or damaged, in order to start rebuilding your life and replacing your possessions, you need to submit an insurance claim. Along with that claim, you are required to submit a detailed list of the items damaged or destroyed - along with proof of ownership and value. The longer you are delayed in putting this together - affects when you receive your settlement and how much you will receive. As a result, you may need to dip into your savings or retirement funds - to start rebuilding your life.
An inventory keeps your savings and retirement funds untouched.
For further information on a home or business inventory, please visit www.jlksystems.com

Be prepared if the unfortunate occurs to your home, by knowing if you have Replacement Cost coverage or Actual Cash Value coverage.
Replacement Cost means you will be covered for the cost of replacing or repairing your home or possessions up to your coverage limits. There is no depreciation involved with Replacement Cost. Actual Cash Value is Replacement Cost minus depreciation. If you have Actual Cash Value, you will get very little from the insurance claim because of the deduction for depreciation based on the age and condition of what was lost or damaged.
It is your choice to make - take the time to review your policy and know what is stated in your policy - before something happens.
To further protect you and your home - make sure you have a Home Inventory completed. For further information on a Home Inventory, visit www.jlksystems.com

When one is making a claim on destroyed, damaged, or stolen personal property, along with the detailed list of what is included in the claim, sales receipts are invaluable and often the first evidence an adjuster will request.
If you haven't kept any receipts, for your major purchases, take the time to secure the next best alternative to a receipt - a cancelled check, credit card statement, or return to the place of purchase and request a duplicate copy of the sales receipt.
For additional information on a home or business inventory, visit www.JLKSystems.com.

This week has revealed the tragic results of all the rain that occurred in the Atlanta area. The flooding affected an area not considered to be in a flood risk area - and as a result, caught many people unprepared. Many people are going to have serious financial problems ahead of them.
Use this as a wake up call - to be prepared. Be prepared and protected with a home inventory list - which documents in detail all of your possessions - which includes proof of ownership and value which greatly affects the timing and the settlement of the insurance claim.
For further details, visit http://www.jlksystems.com/

While it may seem cumbersome to keep receipts of all your purchases, it is to your financial benefit to do so. For each insurance claim that you file, in order to receive reimbursement covering the full extent of your loss, you must prove ownership and value for all the items included in the claim. A receipt will support your claim 100%, thereby, guaranteeing you will receive a settlement covering the full extent of the loss.
To keep your receipts available and easy to locate, consider investing in a small scanner. It will be well worth the investment.
For further information, visit www.jlksystems.com

If some type of disruption occurred to your business, whether it be a power outage, fire or flood, would you know how to continue business until recovery is accomplished? If you currently do not have a plan to follow, it is crucial to your company's future to invest the time in developing a Business Continuity Plan (BCP). A BCP will improve the chances of continuing operations during or after a minor or major disaster. In fact, businesses that recover quickly are those that have planned in advance. A BCP is the answer to the unexpected business interruption.
A key component of the BCP is an inventory of business assets. This would include such information as description, model, serial number, purchase or lease date, and manufacturer. Photos and video of these assets would also be taken.
Other key components of the BCP include: document internal key personnel and backups, identify who can telecommute, document external contacts, identify critical documents and identify your contingency location.
Start planning today - to ensure your company will survive and recover.
If you need assistance with a business inventory or BCP, please contact us as www.jlksystems.com.

A home inventory is a great asset to estate planning. While it provides key information such as who gets what, the value, etc. - it provides background information that can be easily forgotten such as how long it has been in the family, the age, special memories, etc.
When my Aunt Cathryn past away, I sure wish she had completed a home inventory list. I know many of the items in her estate had been in the family for quite a while but now that the family had gotten smaller, no one had that information. I remember her talking specifically about items and how long she had the item or from who she received the item - but I could not recall the specifics. Knowing if an item had been part of the family for many years - does make a difference if you get rid of that item. As a result, it was very difficult to decide what items to keep and what not to keep.
Once a home inventory is completed - the information can be easily incorporated into the estate planning document. For further information, please visist www.jlksystems.com.

While it is important to protect your home with a homeowners insurance policy, you can't rely entirely on this if something unfortunate (i.e. fire, flood, theft, etc.) were to occur. Each claim needs to be accompanied with a detailed list of what was stolen or destroyed - which will prove ownership and value to the claims adjuster. If you haven't prepared this list prior to the disaster - you will need to create the list while you are under stress and trying to deal emotionally with what just occurred as well as what steps you should take to put your life back together.
We can create a detailed portfolio for you so that all your assets are identified and documented. Because we help protect your personal assets, you have better protection and can ensure your family's financial stability.
Give us a call today or visit our website @ www.jlksystems.com

Many homeowners are unaware that there are two options provided to them - as to how your personal possessions will be replaced due to damage or theft. Your insurance policy will state either Actual Cash Value or Replacement Cost. Actual Cash Value is the amount it would take to replace or repair your assets, minus depreciation. The settlement you would receive from the insurance company would be for a certain percentage of the original value, as depreciation (age and wear) has been taken into account. Replacement Cost is the amount it would cost to replace your assets with items of similar type and quality - without deducting for depreciation. While it may cost more to have Replacement Cost as part of your insurance policy, it is to your benefit if you ever have to replace your possessions.
For either options, before you receive any settlement - you need to prove ownership and value. The only way this can be done is with an inventory list - complete with descriptions, receipts and photos. Please visit our website for further information. www.jlksystems.com.

Planning for a disaster, is a key to ensuring your safety and the safety of your family. During this preparation time, dont forget to include your pets in the plan.
Key to your checklist is making sure your insurance is up-to-date and that you have completed a home inventory - both which will ensure that your receive full replacement value of your items within a timely manner. Dont rely on your memory during a crisis time.
For your pet, you can do the following: find a location you can take your pet as not all disaster shelters will take pets, prepare a disaster kit for you pet and know how you will transport your pet when you evaculate your home.
For more information on a home inventory, please contact us.

Last week, several neighbors and I were discussing our unusual summer weather - one that has brought cooler temperatures, very little precipitation and no storms. Needless to say, that is the wrong discussion to have because only a few days later a "substantial twister" with winds of 75-112 miles per hour hit our area. Fortunately, there were no reports of injuries or deaths but there was a significant amount of damage to homes and businesses. Reading the reports of damage and the comments by the homeowners who experienced damage, I hope they are prepared so that when the claims adjuster shows up they can immediately provide the itemized list of items that were damaged or destroyed. Documentation is a significant factor in determining the reimbursement from an insurance claim. Photos and a detailed inventory list including scanned receipts validates your proof of ownership and value - which is key in receiving a settlement covering the full extent of the loss - in a timely manner.
Let us help you be prepared and protected.