Guarded Treasures

Home Inventory & Organizing, LLC

441 Candle Avenue
Sebastian, FL 32958
ph: 772-532-8864
Kim@GuardedTreasures.biz

Frequently Asked Questions

Home Inventory Pricing: Includes a video dvd of the outside and inside of your home, a cd of all digital photographs and a complete written report in a binder for future updates that includes both the outside and inside of your home in its entirety. We provide you with two dvds and two cds that you can keep in different locations for additional security and protection.

(Bedroom conversions included)

$325.00 for a two bedroom home

$425.00 for a three bedroom home

$475.00 for a four bedroom home

$525.00 for a five bedroom home

$575.00 for a six or more bedroom home

Businesses - $425.00 up to 4000 sq ft / $475.00 greater than 4000 sq ft

Inventory packets will be hand delivered to you within ten days of the physical inventory. We will assist you in adding any related receipts, appraisals and estimated costs to your inventory packet.

The "Mini" Inventory - $200.00 includes twenty personal property items and takes approximately two hours to complete. The "Mini" inventory packet includes one video dvd of the outside and inside of your home in its entirety, one cd of digital photographs of the twenty items as well as all rooms photographed showing the layout as a whole and the written report in a binder for future updates. All related receipts, appraisals and estimated costs can be added by you to the written report. We will gladly assist you with this when we hand deliver your inventory packet within ten days of the physical inventory.

Special Offer: We are offering a $25 discount on any complete home inventory. We are also offering $50 off all Gift Certificates regardless of the home size. If you reside in Florida year round or part-time, you can receive these discounts. Please call us with any additional questions you may have. We thank you for allowing us to serve you.

Organization Projects:

$75.00 for half-day project and $150.00 for full-day project.

Accounting and Bookkeeping Services:

Starting as low as $100.00 per month to be determined upon completion of a complimentary business consultation.

Gift Certificates Available For All Services

Will I need to provide receipts on the items I have purchased?

Yes, if you have them. Receipts are often the first thing that an adjuster will ask for. Sale receipts that you have will be used and become part of your written report. Canceled checks and credit card statements can be used if the original receipt is not available. Estimated values are used for items without receipts or appraisals. The inventory packet can be updated at a later date with any appraisals you decide to have done.

Do I need to be present while the inventory is taking place?

Yes, as you are part of the process and with us during the inventory. Many items will need to have some basic and / or detailed questions answered that only you will be able to answer. You will decide what is to be included or excluded. We can only advise you on this.

How long does an inventory take?

The time to complete an inventory depends on the size of the home and the amount of personal property you own. On average, a home takes 3-5 hours and a business 3-4 hours. The "Mini" Inventory takes an average of two hours.

Is it necessary to include both video and photographs?

Yes, as it is in your best interest to do so. In order to prevent insurance fraud, claim adjusters are trained to look for inconsistencies. If you are able to show them the items that are included in your claim in their office environment (video) and individual photographs (complete written report), your claim will go smoothly and quickly.

What is the most difficult part of the claims process?

Experts say that one of the most difficult parts of the claims process is remembering what was destroyed or stolen. Most people do not have the documentation needed to recover the full value of their assets. By having a home inventory, you will be ready in the event of a hurricane or other natural disaster, fire, theft or death.

What do I need to do to prepare for the inventory service?

Have all items ready for videotaping and photographing. This will speed up the process. Have any receipts and appraisal documents available. Have your insurance policy as we will need the name, agent's name, contact information and policy number. This information is included in your written report.

Can the inventory be updated once complete?

Yes. Within the first year of the initial inventory, we will update once at no cost to you with photographs, any newly acquired items for your written report. After the first year, annual updates on video dvd, cd and for the written report, can be done at a charge of $50 (up to ten items) - $100 (up to twenty items).

Where should I store the DVD, CD and written report?

In a safety deposit box or a secure location, not in your home or business.

Can the Home Inventory be used for anything else?

Yes. The home inventory has several other uses especially estate planning as the inventory we prepare for you includes beneficiary designation and contact information, if you desire it. The inventory can also be used in equitable distribution in a divorce, financial planning and when moving.

What are some experts saying about the value of a Home Inventory?

From the State Farm Insurance Website:

Protect your property with a home inventory

The threat of loss of property from fire, theft or other causes is always present.

An accurate inventory and proof of ownership at the time of a loss can make claim settlement easier and faster.

The inventory will take time to compile, but the time and frustration it may save you later will more than make up for it.

From FEMA:

The U.S. Department of Homeland Security's Federal Emergency Management Agency (FEMA) and the Washington Emergency Management Division (WEMD) remind people that with a home inventory list, an insurance agent can provide owners and renters with a policy that matches their needs. In addition, after a disaster, an inventory can help provide proof of personal property loss.

Government and industry officials also recommend taking photos of the outside of a home, as well as all contents, and to store these photos together with the inventory list in a safe place away from the house.

"The complete inventory, including photos, may be one of the most valuable investments for peace of mind we will ever make for ourselves and our families," said Gail Haubrich, FEMA individual assistance housing supervisor. "If a catastrophic event disrupts our homes and surroundings, a home inventory will eliminate the need to piece that information together in the aftermath of the event."

From the Insurance Information Institute:

"Having an up-to-date home inventory is one of the best ways to make the most of your insurance dollars," said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. "A home inventory lists all your personal possessions and their estimated value. This helps you to purchase the right amount of insurance and will make the claims process faster and easier if there is a fire, hurricane or other type of disaster. And, remember, there is virtually no part of the country that is immune from some sort of catastrophe."

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441 Candle Avenue
Sebastian, FL 32958
ph: 772-532-8864
Kim@GuardedTreasures.biz