Most of us have had the experience of a crashed computer. The agonizing loss of data and the idea of having to rebuild it all are almost too much to bear for victims of this random and unpredictable occurrence. Now, magnify that computer by the size of your home. Believe it or not, your chances of experiencing property crime or loss through a natural disaster are about the same as having a computer crash – about 1 in 3. The consequences are logarithmically as impressive.

When disaster strikes, homeowners are often surprised to learn that the original event is only the first step in a continuing line of frustrations and work. In many cases, homeowners end up settling for less than what they should recover because they are underinsured and do not have the documentation they require to prove ownership of property. According to insurance insiders and home experts, homeowners walk away with up to 25% less than they should have because of these reasons.

After the disaster or crime, the challenge becomes that of getting your life back. That process is the most frustrating aspect of recovery. The good news is that homeowners have an option to make recovery far easier, faster and far less frustrating.

The Problem with Home Owners…

As homeowners, we tend to accumulate stuff and place the documentation in a drawer, folder or file cabinet – if at all. Unfortunately, when disaster strikes, it destroys that information. Some homeowners track important purchases on computers at home. Unfortunately, such practices leave many homeowners without documentation when disaster occurs. Leading insurance and home experts agree that having recorded information in a safe third-party location is the best practice when it comes to home records.

Another problem with homeowners is that documenting your home can be a pretty daunting challenge. The thought of going through your possessions and recording everything is an activity that comes in second place only to a sticking a rusty needle in their eye! With today’s busy lifestyles, the thought of documenting everything in your home used to be a pretty tough sell to homeowners. Today, homeowners are discovering that without proper documentation, their chances of getting their lives back together can be overwhelming.

It Will Never Happen to Me!

According to experts, the greatest threats to homeowners is complacency and ignorance of the realities of risk. Many homeowners discover all too late that their odds of experiencing property loss from crime or natural disaster are far greater than they expected – about 1 in 3 in North America – more in other countries. 100% of all homes in America are located within a flood and earthquake zone. According to the US Department of Justice, about 1 in 8 homes experience property crime. That’s sixteen million homes experienced property crime in 2009 alone. According to the US Fire Administration, fires cause more deaths in the United States than all other natural disasters combined. Your chances are 1 in 9 of becoming a fire statistic.

Unfortunately, few homeowners understand the risks to their homes. Most homeowners believe that insurance solves the problem. In reality, insurance is only part of the answer. In short, insurance is only as good as your ability to prove you assets. For most homeowners, the original disaster is only the beginning of a long and frustrating chain of events when it comes to getting lives back together again.

You Cannot Replace What You Do Not Have (Proof of Having)

Homeowners become very aggravated with insurance adjusters that want proof of ownership in order to process a claim. While the best insurance companies are not in the business of denying claims, none will pass on the opportunity to do so. Add to that the incredible number of insurance fraud cases and claims today and the consumer is the one that comes out holding the bag in the end with no recourse.

Those receipts and computer files? Pretty much worthless in the end. In many cases, your proof of ownership is scattered among the ashes or ruined by water. In cases of flood or fire, the property has been washed away or damaged. Water and fire do amazing things to expensive clothes, computers and other valuable possessions – not to mention receipts and computers!

For many, the idea of storing their information on their home computer sounds like a great idea. Unfortunately, your computer is as much at risk as your paper receipts in a natural disaster. In a theft, your computer is one of the most likely items to be stolen.

The Two Most Significant Mistakes Homeowners Make…

Most homes in America are significantly underinsured in terms of replacement value and contents. In most cases, we fail to realize exactly how much we have until we lose it and subsequently try to recover our losses. Annual insurance “check ups” are essential activities to undertake.

The second mistake is the failure to document possessions properly. It is estimated that insurance companies deny claims on up to 25% of the possessions of any property because of a lack of adequate documentation. When it comes to crime, law enforcement is often helpless to identify property and is relegated to report-takers. For homeowners, the losses all too often prove to be expensive lessons.

The Stonebridge Home Assistant™ by The Proper Home – Backup Your Home!

The Stonebridge Home Assistant has pioneered the first practical system that allows homeowners to back up their home and property. In addition to a safe and secure third party location, The Stonebridge Home Assistant offers audited records as well as the ability to store images and documents.

If disaster strikes, you can securely access your information from any computer in the world with Internet access. Complete reports for insurance companies and law enforcement are only a keystroke away – which is especially essential for law enforcement purposes.

The Stonebridge Home Assistant makes backing up your property simple and fast. Start by adding a few items and simply add more items as time allows.

What makes the Stonebridge Home Assistant so powerful is its ability to extend your property backups into a world-class home management system that helps you to maintain your property well and create an automatic history that you can transfer to future homeowners to take over where you left off. In the end, the Stonebridge Home Assistant provides a powerful home backup system – and so much more for homeowners today.

It Simply Makes Sense – It’s a Smart Move!

Backing up your home is the smartest way to protect your home, possessions and to get your life back together when disaster strikes. Thanks to advanced thinking and tools that are available in the Stonebridge Home Assistant, backing up your home can make a remarkable difference in the safety, efficiency and value of your home. And for as little as about $2.77 a month, the Stonebridge Home Assistant is a value that no homeowner can affords to be without.

Now you have a practical way of backing up your home!

Learn More…

To explore the Stonebridge Home Assistant™ by The Proper Home and discover why it is the first choice for today’s quality homeowners worldwide, click here to visit The Proper Home.

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