[HAM] B3 Value

[Christoph P. Kukulies]

On Tue, May 20, 2008 at 11:01:19AM -0400, John Freund wrote:
> I'll add my voice of experience here and go a little OT to say to everyone:
> Get yourself (buy or borrow) a video camera and walk around your house
> recording everthing that's in it...open drawers, cabinets, move stuff around
> in your garage, open boxes in your attic, etc, ad nauseum, ad infinitum.
> Get the model and serial tags on stuff that have them.
> 
> When my mom's house burned down (total loss) in Raleigh after a lightning
> strike, the insurance company made us draw up an inventory for EVERYTHING we
> wanted to claim.  And we needed to guess at what she paid for it, the
> current value and the replacement value for each item.  My mother maintained
> a household since 1963 and her house burned down in 2005 so needless to say
> it was a HUGE inventory.
> 
> Do yourself a favor and document.  You never know.  And while I'm rolling,

No matter what you, you're gonna loose against the tricks the the insurance
guys. Once you list them all your inventory that is gone they tell you
that you have been hopelessly underinsured (if that's the term) unless you
adjusted the insured value over time. (could be there are policies that
cope with the value increase, though).

--
Christoph