A core part of our business is insurance appraisals. As the 2017 hurricane season taught us here in Florida, having one's valuables adequately covered is paramount if you live in an area that could be impacted by a major storm. Unlike a loaf a bread, an appraisal report for a valuable pieces of art, antique furniture, or glass isn't something that you can grab off the shelf. It requires bringing on a reputable appraiser and allowing them the necessary time to document items, research them, and prepare the report.
Most homeowner's policies do not cover valuable possessions. Instead, a separate policy called a fine arts rider is usually necessary. The good news is that these tend to be fairly affordable, although they will likely require items to be professionally appraised. Typically, this will be "Insurance Replacement Value", which is the cost that you would incur should you have to quickly replace a lost or damaged item in the retail marketplace.
Most homeowner's policies do not cover valuable possessions. Instead, a separate policy called a fine arts rider is usually necessary. The good news is that these tend to be fairly affordable, although they will likely require items to be professionally appraised. Typically, this will be "Insurance Replacement Value", which is the cost that you would incur should you have to quickly replace a lost or damaged item in the retail marketplace.
