FREQUENTLY ASKED QUESTIONS

1.   Why should I have my home and/or business inventoried?
Your insurance carrier does not know what physical assets you have. You need an accurate list of your physical assets because accounting or replacing them after they are destroyed or lost is a difficult and time consuming process. Insurance companies and financial advisors require that you provide them with a complete list of items that were lost or damaged. Our service provides such vital documentation.

2.   Why should I use a Policy Assessment Service?
We have found that in our 83 years of experience with major insurance carriers in both personal & commercial, property & casualty underwriting, claims, operations and audits, over 75% of the insureds after facing a loss only then discover that they are “under” insured and/or subject to critical policy limitations or exclusions. Bottom-line, they do not receive enough to cover their actual loss. Our service will provide both education and recommendation to the owners for “proper” insurance coverage.

3.   Can I do my own inventory?
Maybe. However, we have found that:
A. There is greater credibility given if the documentation is prepared by an independent service than the owner and,
B.  Less than 2% of all owners will prepare their own inventories while the majority have this vital matter on a "to do" list. 
Our business was formed to address those busy owners’ inventory needs.

4.    How much will this cost?
To be provided through our free consultation service.

5.    Do you provide appraisal services?
No. We make recommendation for expert appraisal of identified items ranging from antiques, fine art,    
rare books, jewelry and other family heirlooms.  

6.    How long will it take to complete the inventory or policy review?
For inventory of a standard 2,500 sq ft home or small business approximately 3-4 hours that will vary based upon the amount of assets that will be documented.
For policy assessment after inventory completion is 2-3 hours.

7.   Do I have to be prepared or be present during the inventory session?
Yes, we will provide you the preparation details that include your available receipts of all your physical assets.  This will help to create a more accurate inventory and make it easier to recover the full value of items. You must be present during the inventory process.

8.   Can I update my web-based inventory list?
Yes, but not directly to assure accuracy, validity and accountability. The web-based format is designed to notify us of your request to update.  You can request deletion or addendum information on existing items anytime. You can also request additions. Depending on the asset value it may require our re-visit to update and to notarize. We will then update your portfolio.   We also offer a semi-annual (6 months) update and an annual (1 yr) renewal for a nominal charge.

9.  How can I be certain that your service is safe to use?
Your user identification & password log-in account is a confidential & secured site. Further, no property addresses are photographed (held only in our physical location). Also, we are licensed, bonded and fully insured.