It’s easy to underestimate the importance of keeping an accurate inventory on your home or business property. With all of the daily demands on our time and resources, who has time to make a list of everything you own, and follow that up with pictures, and any other necessary documentation, just in case you might ever need it for an insurance claim.
The reality, however, is that, according to insurance industry stats, on an average home insurance loss claim, insureds under-claim as much as 25% of the value of their actual possessions, simply because they cannot accurately itemize, and verify their belongings. This can translate into many thousands of dollars lost. Make no mistake about it, when it comes to insurance claims for damage or loss of property, the burden of proof is on YOU, the property owner.
Several years ago in the aftermath of hurricane Ike, our founder, Jeff Poole, assisted hundreds of property owners with processing their insurance claims associated with the storm. From that experience, Jeff learned a couple of things.
First of all, most homeowners were lost when it came to navigating the complicated claims process, dealing with the insurance company, and making sure that they received fair reimbursement for the items that they had lost. And secondly, the insurance companies are not interested in repaying home or business owners for anything beyond what they can actually prove that they lost in the claim. Meaning, the good word of the property owner is simply not enough. There must be supporting proof or documentation provided to the insurance company to prove ownership.
Out of this mindset, Baseline PCA was born. We have over 20 years worth of experience in handling all facets of insurance claims and helping property owners, as claims contractor, claims adjuster or property inventory analysts.
Baseline PCA offers you, the property owner three (3) convenient ways to get your valuables inventoried and verified. 1) For the Do-It-Yourselfer, we offer all of the tools and resources you need to create a complete and verified property inventory at your fingertips. In most cases, this inventory only take a few hours to complete, and it is absolutely FREE to you, the property owner. 2) For the customer who wants to handle all of the leg-work themselves, but might not want to spend hours in front of a computer screen inputting data, we have Customer Service Specialists on staff who are ready to take your call and walk you through submitting your data to Baseline, and letting us do all of the technical work for you. And finally, 3) If the job of creating a comprehensive property inventory just seems like more than you’re ready to tackle, we have Certified Inventory Specialist who will come to your home or place of business, document all of your belongings, input all data and make sure that everything is verified, so that when you do need it, it’s there, and ready to be submitted to your insurance professional.
Ask yourself this question; If I had to file a property damage or loss insurance claim today, could I accurately document and justify all of my property or belongings to the insurance company?
Start protecting your personal property NOW!
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AUG
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