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HOMEOWNER POLICY-FORMULATION

INSURANCE APPRAISAL

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“What specifically is a Homeowner’s Policy-Formulation Insurance Appraisal?” -- This appraisal reflects the overall value of everything you have in your home/garage/outbuilding(s), etc.   To begin with, most homeowners own an insurance policy which covers “contents” of the home/garage/outbuilding(s). How does one know how much coverage to allow for in the event of loss of this personal property (contents)? Dianna Bland Hancock of Bland Hancock Certified Appraisals conducts and produces the ‘policy-formulation insurance appraisal,’ which is conducted when the homeowner is simply curious as to what his/her collection and/or entire household is worth in order to insure its value. This can reflect the contents of the entire home and outbuildings (antique, vintage, modern and contemporary as a whole, including vehicles). As well, this appraisal can regard only the antiques and art in the home or whichever items the homeowner chooses for appraisal. Once more, the report can reflect the value for a specific collection in your possession (i.e. collection of framed art, collection of classic cars, collection of coins, collection of costume jewelry, collection of primitives, collection of coverlets and quilts, etc.). Dianna works one on one with the homeowner(s) in a highly-efficient, professional, and strictly confidential manner.

To repeat, efficiency, professionalism, and confidentiality are profoundly underlined. A list of references and past clients will be provided upon request.

There is another type of insurance appraisal, the “casualty-loss appraisal” and unfortunately, this type is conducted after a loss has occurred and in the case where there was not a previous appraisal conducted and no documentation or records exist of the item(s) in question. Obviously the most efficient way of being prepared for a casualty loss, is by having the ’policy-formulation appraisal’ conducted before any type of unpredictable loss occurs. In the case when there has not been a certified appraisal completed prior to a casualty loss occurring, it is then that Dianna goes in and works with the homeowner to produce a fair report that reflects a value for the item(s) involved in the loss. When there has been numerous items involved in this particular loss, these reports are most tedious for the homeowner(s), as one can imagine. Keep in mind that whatever the insurance policy’s “total contents” coverage amount is currently, this is the highest amount of recuperation the homeowner can receive, regardless of how much value the “post-loss appraisal” reflects. This is a serious situation that a homeowner can be in control of with a simple plan that includes having Dianna Bland Hancock conduct and produce the “policy-formulation insurance appraisal.” Property owners can then be confident that adequate coverage is in place if ever a loss occurs.

Bland Hancock Certified Appraisals also conducts and provides appraisals for estate-purposes, dissolution purposes, and bankruptcy.    Additionally, verbal appraisals (no documentation) are available.

Telephone: 812-322-5997