A home inventory protects you today as well as in the future. Today, a home inventory protects your home and possessions in case of any type of destruction, damage or theft, and in the future, it ensures that your possessions will be distributed according to your wishes. When an inventory report is compiled, it allows you the ability to assign items to specific family members, friends, etc. and then this document can accompany your will or living trust.
What peace of mind this provides, knowing that the items you have worked hard for and cherish will be left to your loved ones.
For further information regarding a home or business inventory, visit www.jlksystems.com

According to the National Association of Insurance Commissioners, nearly half of U.S. consumers are insufficiently prepared in terms of their insurance coverage to deal with potential losses. What can you do to make sure you and your family are prepared?

1) Take an inventory of your home, including photos and video. A detailed inventory provides the required detailed list of all items affected by the disaster. The first step that you will be asked to do by the insurance adjuster, is to provide a detailed list of all items destroyed, damaged or stolen.
2) Include receipts within the inventory report. This will provide the necessary proof of ownership and will help ensure you receive the maximum reimbursement amount.
3) Add a "floater" or "rider" to items of higher value such as jewelry, antiques, etc. These types of items are typically not covered by the basic homeowners policy.
4) Store a copy of your inventory report in a safe location away from your home.
5) Check to see if your possessions are insured for the actual cash value or the replacement cost.

For further information regarding a home or business inventory, visit www.jlksystems.com

More often than not, storage sheds are an extension of the garage. Tools, equipment, yard items are stored in the shed. As a result, a storage shed represents a significant amount of value and as a result, it is important to inventory these items - in case damage or theft were to occur. It also represents an area that items are put that aren't used too often and could be easily forgotten unless you have a written list of what you have stored in the shed. An inventory report will list all your items and include photos of the items - eliminating the need for you to recall items from memory in case you needed to make any type of insurance claim due to damage or theft.

For further information regarding the benefits of a home or business inventory, visit www.jlksystems.com

How often do you keep your garage door open? Do you have bikes, tools, yard equipment in your garage? When working on projects outdoors, typically the garage door stays open.

Periodically, I will hear about items taken from the garage - in full day light. How can you protect your possessions - with the exception of shutting the garage door? A home inventory list will capture all the items not only within your home but in the garage. This report will include photos and detailed descriptions including model and serial numbers - which is what is needed when compiling a police report as well as filing an insurance claim. A detailed list including model and serial numbers - often results in the finding stolen property and proving that the items belong to you.

For further information regarding the benefits of a home or business inventory, visit http://www.jlksystems.com/

Who today isn't looking for tools to help keep one prepared and organized. A home inventory report will do both. It will enable you to immediately access the required detailed information if something were to happen to your home or possessions - which ensures you will receive a settlement covering the full extent of the loss and in a timely manner. This same information can also be used for estate and financial planning. When the inventory report is complete - the information you need for estate and financial planning, is also complete.

For further information regarding a home or business inventory, visit www.jlksystems.com

As you make out your Spring Cleaning List, at the top of your list should be to check that the smoke detectors are working properly. Last week, there was a tragic fire which killed 6 people and it appears that the smoke detectors were not working. Smoke detectors not only help save lives but could reduce the amount of damage done to one's home and possessions.

Another task that should be at the top of your list - is having a home inventory report prepared for your home. If your home were to experience a fire, the first thing you would need to do is compile a detailed list of all the items that were damaged or destroyed. Without an existing inventory report, you would need to put the list together by memory. To experience what this would be like, take a moment to think of a room in your house (without standing in that room) and list all the items in that room and then have the documentation to prove value and ownership.

An existing inventory report ensures you will receive the maximum reimbursement as well as eliminates the burden of proof insurance companies require before settling a claim.

For further information, visit www.jlksystems.com

The last time you reviewed your home owner's policy, did you check to see that you had the appropriate riders to cover such items as jewelry, antiques, artwork, silverware, etc.? Insurance companies set limits on the amount of coverage for items within these categories. For example, $1,000 is the coverage for jewelry, watches, furs, precious and semi-precious stones. If the value of the items you own exceeds $1,000 and those items are lost or damaged -the maximum amount you will be reimbursed - is $1,000. That is why it is important to have special riders added to your policy so in case the unforeseen occurs - you will receive reimbursement for the total loss.

Another sure way to guarantee the maximum reimbursement of your personal property and in a timely manner - is to have a home inventory report. For each claim submitted, a detailed list of the damaged or stolen items is required. You will also need to prove ownership and value of the items. Don't try to put this list together by memory - which is what you will need to do after a disaster occurs - if you don't have an existing inventory report.

For further information regarding a home inventory report, visit www.jlksystems.com