It was early on a Saturday morning when I opened the patio door curtains, looked outside and froze. Everything was gone! The table and chairs, the umbrella, the boys' bikes - and even the gas grill! Gone! What else was missing? We don't know.
A few years later, as we turned into our driveway, we saw the broken glass. All we could think of was...not again!
These burglaries are what encouraged us to create Hartman Inventory. We know first-hand how difficult it is to recall the items that are no longer there. And we also know that we didn't file for every item stolen. This is partially due to the emotional stress caused by the burglaries. Another reason is that we just couldn't remember!
One statement we hear repeatedly is, "I have insurance, so I don't need to have an inventory." When a loss occurs (fire, theft or natural disaster), most insurance companies require a listing of items to be replaced, along with the year purchased and the price. This can be a long, time-consuming task! And I haven't yet met anyone who said they remembered everything. Quite the opposite - we're told repeatedly of losses amounting to thousands of dollars up into the tens of thousands of dollars!
We encourage everyone to create an inventory of their belongings. It's better to spend the time now than to risk not maximizing your claim later.
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