- Q. What is a home inventory?
A. A home inventory from SCHI is detailed, collected information
(documented in writing, by digital photography, and on video) about the items in your
home. You should store this information away from your residence so it won't be lost
in the event of a disaster or theft. The information in your inventory can be
used to file a claim with your insurance company, or as proof of ownership in
the event of theft.
- Q. Why do I need your service?
A. Our service helps to ensure 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 to the police department, in the event of theft or natural
disaster. In addition, it is of great value for estate purposes, secondary or
vacation homes, or if you plan to move or place your property in storage.
- Q. Why can't I just do this myself?
A. We're a professional, objective, third party company, and our
process is designed to maximize and expedite your insurance claim.
- Q. How will you help me at the time of a claim?
A. With your signed authorization, we'll provide the written and
photographic record of the property we documented to your insurance company and/or
police department via e-mail, fax, and/or by phone.
- Q. What items should I have documented?
A. In addition to the contents of your home, we suggest special
documentation of all non-standard and/or appraised items, including fine furniture,
antiques, jewelry, collectibles, art, extensive wine collections, musical
instruments, imported carpets or wall coverings, power tools, etc.
- Q. How will you document my personal property?
A. We'll complete an itemized spreadsheet including description,
make, model, serial numbers, and/or other pertinent information to better identify
your property. In addition, we'll make a video of the contents of your entire home
and take digital photos of all non-standard items as needed for proper documentation.
- Q. What do I need to have available for my appointment?
A. It would be helpful to have your homeowner's policy available so
we can properly document any item that is appraised and listed. We can also determine
if any unlisted items should be added to your policy or if additional coverage would
be beneficial. Also, any pertinent receipts you may have will be helpful in the
- Q. How long will it take?
A. An average inventory takes approximately three hours to complete,
provided there are no special collections.
- Q. What do we do with your inventory data?
A. We download the information onto our secured database using a
numbering system to ensure your privacy. We then transfer the data onto two
non-rewriteable CDs (80-year shelf life). One of the CDs is supplied to you, the
other maintained by us in an off-site safety deposit box for one year from the date
of your original home inventory. It can be maintained for extended periods of time
for a low fee with our annual renewal option.
Having the two identical CDs in different locations will provide a secure system to
prevent the loss of pertinent information required to process and maximize a claim
or identify your property in the event of theft.
- Q. Is there a charge to update my information?
A. There are no additional charges on written inventory updates for
one year from the date of your initial home inventory. Updates can be sent to us via
e-mail, fax, or by phone. If you would like us to make additional visits to your home
to update your file, a separate fee will be charged.