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Sunday, July 22, 2012

Taking Pictures for Insurance Inventories

Taking pictures of inventory can be very valuable insurance in insurance claims. Visual aids not only demonstrate to the insurance company says that the item was arrested, but memory can help someone chasing after the trauma of a burglary or fire.


Why take pictures of the insurance claims?
The main reason for taking pictures of inventory insurance is financial. Without proof of ownership, insurance companies generally will not replace items or cut a check to cover the replacement cost.
The process of taking pictures of the insurance inventories also reminds people how much they have and lose. Many people underestimate the value of your property and are not sufficiently insured. Through the house to take pictures of the insurance claims represents an opportunity to reassess the amount of insurance needed to replace everything in the house.
Inventories are safe, such as emergency services: As you pray you never have to use them is a comfort to know they are there, if you end up needing.
After a rest in a fire disaster or other, people are confused and in shock. While in this state of mind in danger, it may be difficult to try to reconstruct what was in the house.
Insurance companies realize that people add items to your insurance claims for weeks or months after the initial application, remembering valuables do not understand. During the period from the initial application and subsequent applications, insurance companies are less willing to accept the claim. Shooting insurance inventories can avoid this problem, because everything is documented.

Shooting insurance inventory
Shooting insurance inventory seems to be a fairly simple process: Go to any home and photograph you have. While this sounds simple enough, is actually a lot of work. It is easier to break things, piece by piece and plan several days to take pictures for insurance inventories.
Start by taking photos of each room from every angle. While these photos are not going to be your complete photographic inventory, you get some benchmarks if necessary to make insurance claims, while still building their photographic inventory. Keep negatives or prints of these photos in a safe place.

Break it Down By House
Then choose a piece to start and take pictures of everything, not just the items you consider important. Remember, if you lose everything in a fire, replace the wooden spoons and Tupperware, as well as major kitchen appliances and cutlery.
Take pictures of the inside of the pantry and cleaning closets to give an idea of
​​the adjusters on the amount of food and other essentials could be lost. Remember: In the worst case, you may from scratch.
Go through drawers, each and every cabinet, while taking pictures for insurance inventories. On the back of each photo, write the cost of each item and the date it was purchased (or best estimate of when you bought it). Provide as much information as possible.

The foregrounds and backgrounds
Close-up pictures work best to take pictures for insurance inventories, as they provide the maximum amount of detail. It's a good idea to take several photos of valuables from several different angles: The information contained in pictures taken from insurance claims, the better.
Take pictures of the insurance claims on plain backgrounds, as far as possible. Place each item in a plain background, it is easy to identify individual elements. A white coat is a good starting point because of its color and the fact that you can place multiple items at the same time.
Photos of insurance claims must include the exterior of the house. Gardening tools, plants, pools, patio furniture and gardens, including all must be carefully photographed.

The importance of home insurance inventory
According to the Government of the United States of fire, one in every 150 U.S. households have a fire that destroyed the property can not be adequately identified for sure.

Photos of cataloging and storage of insurance claims
It is easier to catalog photos for insurance inventories single. Photos of insurance claims can be stored as negatives, prints or a CD if you use a digital camera.
Never store the inventory of safe at home. A safe is ideal for storing photos of insurance claims. Otherwise, its safe to store pictures in the house of a relative who is some distance from your account. If your home is severely damaged by fire or flood, you want a copy of your inventory in a safe place.

Digital film in comparison to the
Most insurance companies do not care if the photos taken from insurance claims are film or digital format.
If an element is exceptionally rare or expensive, however, perhaps better than digital film. The film can not be manipulated as easily as digital images, and is less likely to lead to the challenges of insurance claims.

Photos updated inventory insurance
Once you take your pictures of inventory insurance, make it a habit to keep them current. As new elements enter the house, should be photographed, documented and added to certain inventory. Keep all receipts with photos to help more insurance claims.
We hope you never have to use insurance inventory, but if the worst happens, the images of insurance claims help maximize the money you receive from your insurance claims.