As hurricane season looms over Miami, homeowners are reminded of the crucial steps needed to safeguard their property and ensure quick recovery in the event of disaster. While stocking up on supplies and securing the physical structure of homes is a well-known aspect of hurricane preparation, one critical step often overlooked is creating a thorough home inventory. My Property Vault, a full-service home inventory company, is stepping in to bridge this gap, offering a comprehensive solution that can make a significant difference for homeowners.
Understanding Home Inventory
A home inventory involves documenting the interior and exterior of your property, detailing every valuable item, from electronics and furniture to jewelry and artwork. This documentation becomes invaluable in the aftermath of a hurricane when filing insurance claims. According to My Property Vault, the burden of proof for lost or damaged items lies with the homeowner. Without proper documentation, homeowners risk receiving inadequate compensation for their losses.
Why Home Inventory is Crucial for Hurricane Preparation
Hurricanes can cause extensive damage, leaving homes partially or completely destroyed. The chaotic aftermath makes it nearly impossible for homeowners to recall and prove ownership of every item lost. Keith Kravitz, founder of My Property Vault and an experienced insurance adjuster, emphasizes that most homeowners are unprepared for the claims process following a disaster. “I have seen homes down to the studs and everything inside destroyed,” says Kravitz. “Without a detailed inventory, proving the existence and value of your items to the insurance company is extremely difficult.”
Services Offered by My Property Vault
My Property Vault offers a full-service approach to home inventory, making the process seamless and thorough for homeowners. Their services include:
- 360-Degree Virtual Tours: Enabling homeowners to navigate through their home digitally, capturing a comprehensive view of each room.
- Property Details: Our service documents your home in detail before disaster strikes, including a floor plan, interior and exterior measurements, and specific features and materials used for the flooring, cabinets, countertops, and roofing.
- Detailed Documentation: Room-by-room photos and descriptions, including make, model, and serial numbers of valuable items.
- Valuation Services: Providing replacement values for household items and certified appraisals for items whose value fluctuates, such as jewelry and artwork.
- Secure Storage: All documentation is stored securely in the cloud, accessible anytime, anywhere, ensuring it is safe even if the home is destroyed.
The Benefits of a Home Inventory
Having a detailed home inventory offers several benefits beyond facilitating insurance claims. It aids in estate planning, ensuring that high-value items are properly documented and reducing potential conflicts among heirs. It also helps in determining the adequacy of current insurance coverage, guiding homeowners to adjust their policies as needed. Additionally, a home inventory can assist in the event of a divorce or asset division, providing a clear record of possessions.
Steps to Create a Home Inventory
For homeowners who prefer to undertake the task themselves, Kravitz outlines a straightforward process:
- List All Possessions: Include high-value items and everyday belongings.
- Photograph Each Item: Capture detailed images, including any identifying marks or features.
- Document Details: Record make, model, serial numbers, purchase prices, and estimated current values.
- Store Safely: Keep the inventory and receipts in a secure, accessible location.
Conclusion
In Miami, where the threat of hurricanes is ever-present, preparing a home inventory should be a top priority for every homeowner. My Property Vault provides a comprehensive and professional solution, ensuring that in the face of disaster, you have the documentation needed to maximize your insurance claim and recover swiftly.
For more information or to schedule a service, visit www.mypropertyvault.com or call 888-VAULT-00 (888-828-5800).
Prepare now to protect your future.
ABOUT MY PROPERTY VAULT
My Property Vault was founded by experienced insurance adjusters who have documented thousands of homes for insurance claim purposes. They provide a full-service approach to providing professional Home Inventory by going on site to the home and documenting the interior and exterior of the home as well as all of the contents and then determine the value for the items so that it can be used for Insurance needs, Estate planning and Marital planning or divorce. Keith Kravitz is a South Florida resident for 40 years and his partners Todd Caplin and Clark Galen are native Floridians born and raised in Miami. They take pride in their community and giving back.
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