What are the Benefits of a Home Inventory? For Insurance Purposes... For Marital Changes... For Estate Planning... For Remodeling Your Home... For Your Business... Facilitates Theft Recovery... Moving or Relocating... Creates Organization... Gets the Job Done... Convenient... IRS Deduction... Free Child ID Kit...

Loral Langemeier Live Out Loud, Founder & CEO Author/Speaker/Trainer

For Insurance Purposes

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1. Provides Peace of Mind
• Having a ProActive Home Inventory ensures that your homeowners insurance will cover what you rightfully should be paid when and if the time comes.
• You can feel secure if the unthinkable happens to your home you will have the tools in place that will allow you to take care of your priorities first.
• A ProActive Home Inventory can protect you from further financial devastation.
• We also counsel you on backing up and proper storage of the documents in your life as well.
2. Completes the insurance process
• In the event of a claim, your insurance would require you to list each and every item lost, what you paid for it, where it was purchased, when it was purchased. They would also ask for receipts, as if you salvaged those in a fire. They want proof of ownership. A third party inventory done by a paid professional with no vested interest in your claim would hardly be questioned by an insurance adjuster.
• A ProActive Home Inventory will help you to better understand if you have enough coverage.
3. Provides proof of your claim
• Your insurance adjuster will ask for proof of what you owned, usually receipts. Receipts were lost with your property. A properly stored digital record of your property will alleviate their concern and yours.
• A third part inventory would not be questioned as ProActive Home Inventory has no vested interest in your claim adding credibility to your case.
4. Saves you time
• You have better things to do with your weekend than to spend it cataloging and itemizing your life's possessions.
• If the worst happens to your home, you would spend literally hundreds of hours over the next year or two trying to recall your property and prove your ownership.
5. Complete digital documentation of your personal or business property
• You receive a printed report** and all photos & video on CD ready to download and store in your safe location away from the inventory address.
• ProActive Home Inventory keeps a copy of your inventory on our secure servers for 12 months plus any renewal time at no additional cost unless you prefer otherwise.
6. Gives you the tools to maximize your insurance claims
• All of your higher value items individually listed with make, model & serial numbers (when accessible)**.
• Insurance payouts with an inventory are generally 20% higher than without.
• Most people will forget to list about 20% of their property.
7. Makes claim settlement easier and faster
• Having a home inventory at hand when a devastating loss has happened will precipitate a rapid settlement.
• When a catastrophe upsets your life, having a ProActive Home Inventory can help when so many other needs are being addressed. You don't want to have to do this at a time when emotions are running high.

For Marital Changes

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• Getting Married? Merging Households? As couples wait to get married till later in life, they are usually merging two households and purging one. It would make sense to have a record of what was kept and who brought what into the marriage. At that time, we can also collect information to assign heirs to family heirlooms** (see Estate Planning section this page).
• Getting Separated or Divorced? Having a ProActive Home Inventory ensures that your property can be divided fairly and equitably if the time comes to separate.
• A ProActive Home Inventory provides you with the tools to divide property in a controlled setting such as an attorney’s office.

For Estate Planning

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• We can collect information of how you would like your property to be dispersed for your attorney to enter into your will. Please review the Heirs field in the inventory program.**
• Free Estate Planner will be included in the Gold Package Home Inventory kit. This will help you create a complete financial picture for your family and heirs in the event of your death. Don't leave your family in the dark. You will also have it on CD so you can send a blank copy to your loved ones so they can do the same.
• People often forget about the documents in their life. We will instruct you on proper backup and storage of certain types of documents that would need to be replaced in the event of loss. This is an enormous time saver if the unthinkable happens.

For Remodeling Your Home

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• If you have remodeled, renovated or made additions to your home, these changes need to be completely documented for insurance purposes. The insurance company needs to know what type of home they are to replace. ProActive Home Inventory can document this for you.
• If you have over-renovated as compared to your neighbors’ homes, you should have complete documentation of your renovation, otherwise in the event of a catastrophic claim, you may only receive an average price per square foot as compared to your neighbor's homes.
• Example: You have added a gameroom, hardwood floors and/or a new kitchen with granite countertops. Your neighbor has never done any updates to their 1952 ranch style house. If a tornado destroys both houses, without documentation, the insurance company will only want to pay for rebuild according to the standards for the neighborhood & the limits of the policy.
• It is imperative to have your insurance reassessed upon completion of extensive renovation.

For Your Business

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• Upwards of 80% of small businesses fail after a catastrophe because they did not have a disaster recovery plan in place. Part of that plan is having records stored offsite of equipment, tools, furniture, etc. For more information go to FEMA's website at http://www.fema.gov/library/viewRecord.do?id=1689 and download the Emergency Management Guide for Business and Industry.
• A business asset inventory from ProActive Home Inventory can also be used by your accountant to schedule depreciation on your fixtures & equipment.
• Business Disaster Recovery Checklist at FEMA's website http://www.fema.gov/business/bc.shtm.

Facilitates Theft Recovery

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• With ProActive Home Inventory's Gold & Bronze packages we will collect make, model & serial numbers of electronics, computers, etc. (when accessible without moving or disconnecting the units) making recovery of your property more likely. Law enforcement can do little to help without this information. To collect this information, cooperation from the client may involve pulling the original sales receipts and/or physically moving the units to make the identification tag visible.

Moving or Relocating

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• If you are hiring movers to move your belongings, it would be good to have record of what they are moving and the basic condition of the property in the event that something is lost or damaged.
• If you are being relocated due to your job, this service might be reimbursed to you by your employer.
• If you are moving into a new home, there will never be a better time to perform your ProActive Home Inventory than when you get settled in when everything is nice & neat.
• A ProActive Home Inventory will show your property at the site that is insured leaving an insurance adjuster no questions as to authenticity of your claim.

Creates Organization

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• Get all of your personal property digitally organized by ProActive Home Inventory and use it for insurance purposes, estate planning, marital changes, relocation and renovation records.

Gets the job done

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• You've been putting it off for years. You know you need one. Now you can hire ProActive Home Inventory to do it for you.

Convenient

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• You have better things to do with your weekend than to spend it doing what the professionals at ProActive Home Inventory are trained to do.

IRS Deduction

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• Should you have a covered loss, some or all can be used as a tax deduction (speak with your tax professional). Having a third party inventory from ProActive Home Inventory is likely not to be questioned by an IRS auditor.

Free Child ID kit

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• We care about children. Included in any of our packages is a free Child Identification Kit that can be annually updated as your child grows up. We at ProActive Home Inventory want you to share this with your friends, family, even the entire PTA.

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