"I've never heard of a personal property inventory. What a great idea!" It is often the response I got seven years ago when I told people about new business my husband and I started. Then, unfortunately, most people will ask: "Why would one need, I have insurance ?"
First, of course - good news!
This industry has grown very slowly over decades, and is now becoming recognized as a viable and useful - if not essential - business. One of the key reasons for the adoption of these services is public knowledge of the importance of having an inventory of your belongings.
The number one reason people are aware of the needs of their insurance agent tells them to create the inventor of their stuff. Many companies even give a list with their policyholders.
As the boomers reaching retirement age, and begin their estate planning, see value in having these data. If a disaster happens, and there is no document to help remember, the chances of receiving a fair settlement from the insurance company is very low. Having a list will help ensure their estate is worth every penny it's worth now. Without adequate financial recovery from a disaster could mean less money (if any) that remain for children or grandchildren. If you can not properly recover from a disaster, you'll probably withdraw funds from the pension fund.
Another reason for a list of services sector is growing that these boomers want inventory now and your adult child / employee will need to assemble information after a parent dies. This is a great gift, the executor of that inventory has already created.
and the bad news
This is bad news for a list of services. This is really bad news for the public and businesses. Still not enough people who know that their insurance process works. This means that there are many people who believe only they will receive a check in the mail for the amount of their insurance. Ask any insurance agent, and they will tell you that you need to complete the application form, itemizing each item you want to pay when you bought it and how much you paid for it. It even includes the items in the junk drawer.
The same goes for the often divorce. When you are determining the value of household items, after the list was created before the "issues" will certainly be used when it is time to Split property.
So, the good news is that more people are learning about the need for inventory, and more to create one or hiring a professional service do it for them. Learn more "why" they need popis.Loša news is that we still are not enough people and companies with this information. Until everyone learns all the reasons for this valuable document, people will still face the daunting task of creating a list of things after a disaster hits. This means that people and businesses will continue to receive just dimes on the dollar from the insurance company.
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