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| *Loan,banking and credit>>>property insurance |
I need a database for estimating costs of personal property items (like clothing) for insurance claim.? |
I don't want to look up each individual item on the Internet--it is too time consuming. What do insurance adjusters use to determine value? Or public adjusters? sweaters, shirts, skirts, vintage clothes, coats, designers who are now gone from the scene, how can I find out the value? They have the book, I m not sure what it's called but it's more like a blue book. I don't think they go by each small items. they just assumed the number of items and go from there. Try local library or search for insurance adjuster book or database, u might find something. Estimation and good luck. try some collector books from the library. other than doing a detailed search, you won't find a program which will determine value for you. it's far to complex and the collector market is to differentiated to be able to design any database. values are determined by what someone will pay for the item(s), though previous sales will be a guideline. most dealers will overprice things just to get what they think the real value is. sorry i can't tell you more. Quicken home and business. Also turbo tax has an add on called "It's Deductible" which is great for estimating values for deduction purposes. Went thru a fire myself Adjusters have a little flyer, with the depreciation amounts for common items. It's cost new, less depreciation. Example: Clothing. Most clothing is fully depreciated by the time it's 3 years old. So, you have a dress. Estimated cost new, $80. It's four years old. Depreciated value: $0. Thrift store value - shirts, $2, skirts, $3, sweaters, $5 if they're cashmere, etc, is the best you're going to hope for for "vintage" clothing. There isn't a database for this. If this is for YOUR claim, you're going to have to do the legwork if you want to claim it. Adjusters see hundreds of claims a week, after six months or so, they don't even look at the flyer any more, as they've seen thousands of items. If there's something that they think you're valuing too highly (Bunny Slippers, $50), they will likely ask you for proof for that item. agent, 21+ years |
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