Your Questions Answered

What is a "Pre-Catastrophe Inventory Report" (PCIR)?
A "Pre-Catastrophe Inventory Report", is a commercial and/or residential personal property inventory report, which is a comprehensive list that includes furniture, computer equipment, electronics (television sets, CD/DVD players, projectors, other audio and audio-visual equipment), sports equipment, kitchen appliances, tools, jewelry, artwork, antiques, collectibles, garments and textiles, linens, drapes, mirrors, carpets and other items of value.

Why do I need a "Pre-Catastrophe Inventory Report?"
Having an inventory of the contents in your home or business is an important part of security and peace of mind. Insurance companies, agents and financial advisors strongly recommend thorough documentation of property to ensure your families' and business' financial protection in the future. A complete PCIR provides a professional, reliable, third-party home and business inventory designed to maximize your claim, as well as making the claim process smoother.

A PCIR can be used for estate and financial planning—it gives you a complete picture of your personal property, the value of which can be totaled and is a component of your current net worth. An inventory of your possessions helps you to determine how much insurance you should carry.

Will you help in the event of a claim?
In the event of a claim, we will provide this information to your insurance company at your request in writing. If your copy of the inventory has been destroyed, we will provide an additional copy to you.

What about privacy & confidentiality?
All documentation processed is 100% confidential. No information will be sold or given to any company or individual. Only upon written request from you, our client will we share your information with other individuals. Our services are entirely confidential, and a confidentiality agreement is part of our standard contract with you and our staff.

How long will it take?
A comprehensive inventory takes approximately 3 to 6 hours on average. The time will vary based on the size of your home or office and the contents. There is some preparation time required on your part; we will provide you with this information in advance of our scheduled appointment.

Can I inventory everything myself?
You can do the inventory yourself through various software programs available or by doing your own list and pictures. Statistics indicate that only about 20% of owners actually have an inventory done. Additionally, credibility is established when you have a third-party do your inventory.

How much does it cost?
For an average home up to 2,000 square feet, it costs $400 for you to have all of your personal property inventoried, documented, and presented to you in your own portfolio. Price varies depending on the size of your home and the extent of your personal property, collections, and valuables. For a detailed list of all our cost, see the pre-catastrophe inventory services section.

Umpires Service: FAQs

What is an umpire?
An umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value or the amount of a property loss.

The WIND Umpire Directory™:  Who uses it?
Judges, insurance professionals, appraisers, and attorneys.

Why do judges need to know about the appointment of umpires?
From time to time, judges may be called upon to select an umpire, pursuant to an appraisal provision in an insurance contract.

How is the appraisal process invoked?
The mechanism by which the insured or the insurer may invoke the appraisal process is specifically delineated in the insurance contract.

What matters may be resolved in the appraisal process?
Generally speaking, the appraisal process is not to resolve issues of coverage or liability, but it is the proper methodology for resolving valuation issues, such as the amount of the loss or damage, or the amount necessary to repair or replace property lost or damaged. 

Contact the insurance adjuster at Florida Property Inspectors & Consultants in
Fort Lauderdale, Florida, with any further questions you may have about our services.