ARE YOU PREPARED FOR A DISASTER?

It's Your Worst Nightmare.  Burglary.  Fire.  Earthquake.  Storm.

Would you be able to go to your insurance company if everything you lost was gone and provide them with a list of every single one of your personal belongings and valuable possessions? 

If your answer is no, you are in for a world of red tape, delays, denials from your insurance providers, and more.

If you had created a household inventory list, you'd be able to settle your insurance claims much more quickly and easily. (Having a household inventory list would also ensure that you had bought the right amount of insurance in the first place.)

GET PROOF!

We provide secure, bonded services which gives you the peace of mind you deserve.

Our Professional Services

1) Complete DVD video of the outside and inside of your home.  This is a highly valuable asset for insurance companies, as well as providing it to builders if your home burns down and you want to rebuild it just like it was prior to this horrific incident.

2) CD-ROM with high quality, digital pictures showing all of your possessions and items with serial numbers.  If you are burglarized, these digital photos can be printed and taken to every pawn shop!  The police can have all your possessions recorded in case someone is arrested and has your belongings.  You can prove it IS yours!

3) A complete binder, including all emergency contact numbers in your town.

4) All of this is done while you are home, and we provide you with the entire video and digital inventory in a very professional package in less than one week.

Did you want to take a vacation?

Be prepared.  Don't say, "I was going to do that."  Get it done now, before it's too late.

This applies to Homeowners, Landlords and Tenants.

How many of Hurricane Katrina's victims were prepared?  How many had an inventory of all their possessions locked away in a safe or in a lock box?  Sadly, almost none of them did.

Don't be a victim.  Safeguard your home with a security system, and have everything you've worked so hard for, documented. 

Call to schedule your appointment.  This is an inexpensive service that will save you thousands, and give you the peace of mind you need and deserve.

Steve  Wieczorek
Insured and Bonded
Digital Home Inventories

Call for a Free Consultation (760) 695-2656
Serving Riverside and San Diego County

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*** ATTENTION: HOMEOWNERS, RENTERS, AND LANDLORDS ***

INSURANCE COMMISSIONER JOHN GARAMENDI URGES

CONSUMERS TO INVENTORY HOME AND POSSESSIONS

NOW TO HELP LESSEN FINANCIAL STRAIN

IN THE WAKE OF A DISASTER

The Commissioner demonstrates how important it is for homeowners to protect their
financial health by properly recording assets in advance

        FRESNO – Standing in a Fresno resident’s home as the holiday season begins, Commissioner John Garamendi warned all California homeowners to conduct a home inventory as soon as possible to make sure that their homes and possessions are properly covered.

        “It is essential that you document all of your possessions before disaster strikes,” said Commissioner Garamendi. “If a tragedy strikes, you’ll be asked to provide your insurance company with copies of bills, receipts or other documentation to support your claims. Dealing with a disaster at home can be a tremendously stressful time. Relying solely on your memory to inventory your precious assets is a mistake you will want to avoid.”

        A complete household inventory list will provide: a permanent record of the home’s contents and their value; serial numbers listed for electronic items so stolen items can be easily identified; and a good indication to the insured of whether or not current insurance coverage is adequate.

Photographs

        If possible, photograph or videotape household possessions. Pictures are helpful when an item is hard to describe on paper or if a purchase receipt cannot be obtained. Labeling each photograph with information about the item – will be highly useful.

Protect and Update the Inventory

        Store a copy of the inventory in a safe-deposit box, work office or relative’s house, and include copies of any important documentation or receipts. The list should be updated semiannually to ensure an accurate recording of the home’s content.

        A report released October 25, 2004, by the California Department of Insurance (CDI) indicated that many of the homeowners who suffered total losses in the 2003 Southern California wildfires complained that they were underinsured. Of the 2,734 “total-loss” claims filed with insurers, 22 percent – or 676 – generated complaints regarding the handling of the claim by the insurer. By comparison, CDI usually receives complaints from approximately one percent of all claims in most lines of insurance. Nearly half of the wildfire complaints – 316 of 676 – involved underinsurance.

        The Commissioner added that homeowners shouldn't depend on their insurance companies to keep them informed of the need for additional coverage on a year to year basis, nor for complete information on how to best protect your assets.