MRC Home Inventory

Q: Why do I need your service?
A: Our service helps to insure that you receive the proper settlement from your insurance company at the time of a claim. The digital photos will help to identify your property for your police department, in the event of theft. Plus it is of great value for estate purposes, secondary or vacation homes, or if you plan to move or place your property in storage.

·       Could you give a detailed description of everything in your home?
Did you know that in the event of a loss, whether due to fire, theft or disaster, it would be your responsibility to provide documentation of destroyed or stolen items in order to process an insurance claim or identify items recovered by the police?

·       Unfortunately, most people do not realize how important a thorough documentation of personal property is, until it's too late. Protect your financial future now!

·       MRC Home Inventory will provide you with the documentation you need to streamline the replacement and recovery process.

Q: I have homeowners insurance, isn’t that enough?
A: In the event you file a claim with your insurance company documentation is the key to maximizing the benefits of your policy. Generalizations about property may result in lesser amounts for "standard" replacement. If you have a 32" TV in the family room it may very well be replaced with the "standard" 27". Proper documentation ensures replacement of same type or value.

Q: How will you document my personal property?
A: We will complete a spreadsheet itemizing all necessary items using descriptions, serial or model numbers or other pertinent information to better identify your property. Additionally we will make a video of the contents of your entire home and take as many digital photos as needed for proper documentation.

Q: I have a Camera why can't I do this myself?
A: There is no reason that you cannot perform your own inventory. Unfortunately even with the best intentions an inventory often gets put off or uncompleted until it's too late. Our service is fast, complete, and affordable. Having a third party do your inventory also adds credibility to the documentation and may require less additional proof during claims processing.

Q: What do I do if I have to file an insurance claim? Will you help?
A: You would contact your insurance agent and file a claim as you normally would. Tell them that you have a complete inventory of the lost or damaged items and if your copy has been destroyed, with your signed authorization, we will provide your insurance company with a back up copy of your inventory.

Q: What should be documented and how do I prepare for your services?
A: Appliances, furniture, electronics, jewelry, collections in your home but especially items such as fine furniture and antiques, collectibles, art, musical instruments, imported carpets or wall coverings, etc., plus all appraised or custom made possessions. Copies of your insurance policy and any appraisals or receipts should be made available for the in home portion of your inventory.

Q: What condition does my home have to be in for your appointment?
A: Children, pets, toys, etc., are no problem. We are there to document your personal property only. No need to change your everyday life style for us.

Q: How long will an inventory take and what does it cost?
A: Homes or offices 1,800 to 2,000 require about 3 hours for the in home portion of the inventory at a cost of about $250.00. Each home is unique and extensive collections, garages, and basements depending on their contents would require additional time. Please feel free to contact us for a no obligation estimate.

Q: When and how will I receive my completed inventory?
A: Whenever possible your completed inventory will be hand delivered and reviewed with you in 3-5 days from the in home appointment. Others will be shipped in unadvertised packaging USPS with delivery confirmation.

Q: How can I be sure my information will be secure?
A: Your inventory is processed to written documentation and digital media on a computer that is not part of a network domain or connected to the Internet. All information is deleted form the computer at the completion of the documentation and stored in a secure off permission location as a back up copy. All inventories’ are designated by a client code and cannot be searched by name, address, phone number or any other personal information. You will be given a confidentiality agreement at the time of the in house appointment. No information about you or your property will ever be shared to any agency without your written authorization. MRC Home Inventory does not provide or sell names or information to any advertisers or e-mail distributors.

Q: How can I update my information?
A: Your inventory can be updated free for 1 year by mailing the documentation and photographs of newly acquired possession. We will be happy to revisit your home and update your inventory for a $50.00 fee within the first year. Before your 1-year expiration your inventory can be updated and stored for an additional year for a fee of $30.00.

Q: Do you provide appraisals and insurance estimates?
A: We are not insurance agents or licensed appraisers so we cannot give estimates or appraisals.

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