Recording the details of your home and belongings is often overlooked until it’s too late, but Ken Aaron, founder of Virtual Home Inventory, stresses that proper documentation can save you from significant financial loss in the event of a disaster. In a dynamic discussion with Eric G, Aaron explains how a comprehensive home inventory not only helps with insurance claims but also acts as a vital tool for estate planning. He discusses the challenges many homeowners face when trying to remember what they had after a loss, noting that emotional stress can cloud their memories, leading to inadequate settlements from insurance companies.

The conversation explores the advantages of using advanced technology, such as 3D scanning, to create a detailed digital inventory of your home. Aaron elaborates on how this technology captures all elements of a home, from structural features to individual belongings, providing a point cloud that can be shared with architects and adjusters for precise evaluations. He urges homeowners to document everything, including high-value items that may require separate insurance coverage, and emphasizes the importance of keeping this inventory updated and backed up in the cloud.

As the discussion unfolds, Aaron highlights real-life scenarios where clients faced difficulties due to a lack of proper documentation. He also addresses the rising challenges posed by climate change, which is causing insurers to become more stringent in their policies and negotiations. The episode is not just a call to action for homeowners to be diligent about their inventories but also a roadmap for ensuring financial security and peace of mind through proactive measures. Ultimately, this episode serves as a powerful reminder that preparation is key, and the time to act is now.

Takeaways:

• Documenting your home inventory with photos and videos is crucial for insurance claims.
• Utilizing a 3D virtual tour can capture detailed aspects of your home effectively.
• Having a separate insurance policy for valuable items is essential for full coverage.
• Engage a public adjuster to assist with claims to ensure proper compensation.
• Regularly updating your home inventory can save you from significant financial losses later.
• Understand the fine print of your insurance policy to know your coverage limits.

Links referenced in this episode:

• aroundthehouseonline.com
• virtualhomeinventory.com

For more information check him out at https://virtualhomeinventory.com/

To get your questions answered by Eric G give us a call in the studio at 833-239-4144 24/7 and Eric G will get back to you and answer your question and you might end up in a future episode of Around the House.

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Information given on the Around the House Show should not be considered construction or design advice for your specific project, nor is it intended to replace consulting at your home or jobsite by a building professional. The views and opinions expressed by those interviewed on the podcast are those of the guests and do not necessarily reflect the views and opinions of the Around the House Show.

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