Articles Tagged ‘Insurance claims’

Fraud Will Affect You Even When You Are Honest

Monday, April 4th, 2011


For the past few months, at Hartman Inventory, LLC, we’ve spoken to victims of burglaries and fires. They have been telling us that it’s been very difficult to get a maximized claim from their insurance company. The reporting process has been rigorous, to say the least. The insurance companies and the adjusters are requiring more documentation than ever.

Serial numbers are being required. Photos are being required. Questions are being asked, and asked again. Why? They want proof! Insurance fraud is on the rise, mainly due to the financial situation many people have place themselves in. And often padding an insurance claim is a way people are attempting to get ahead.

Houses are being set on fire so people can get out from under their mortgage. People are claiming they owned items that they really didn’t own in an attempt to “make money” on a claim. Some are even claiming a burglary when they didn’t really have one.

What’s all this have to do with an inventory? If you have a prepared document, prior to your loss, it’s easier to remember what you had so you don’t forget anything. And if you are being scrutinized by an adjuster, it becomes extremely valuable. You’ll be able to show them photos! And to really prove what you had, and the value, you’ll be able to give them a model number and serial number of electronics, appliances, power tools, etc.

Fur or leather jackets? You’ll have proof. Shoes that cost $300 a pair? You’ll have proof. Love music and have more than 500 CDs? You’ll have proof.

When you have proof, your adjuster will see you’re being honest – that you aren’t one of the people committing fraud – and you will be much more likely to receive a maximized claim that will get you back to where you were prior to your disaster.

Cindy Hartman
Hartman Inventory, LLC

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