Frequently asked Questions?

Q: I have homeowners insurance, Isn't that enough?
A: In the event you file a claim with your insurance company documentation is the key to maximizing the benefits of your policy. Generalizations about property may result in lesser amounts for "standard" replacement. If you have a 32" TV in the family room it may very well be replaced with the "standard" 27". Proper documentation ensures replacement of same type or value.

Q: I have a Camera why can't I do this myself?
A: There is no reason that you cannot perform your own inventory. We encourage you to do so and our helpful links page can guide you to some resources that will help. Unfortunately even with the best intentions an inventory often gets put off or uncompleted until it's too late. Our service is fast, complete, and affordable. Having a third party do your inventory also adds credibility to the documentation and may require less additional proof during claims processing.

Q: What do I do if I have to file an insurance claim? Will you help?
A: you would contact your insurance agent and file a claim as you normally would. Tell them that you have a complete inventory of the lost or damaged items and if your copy has been destroyed with your signed authorization we will provide your insurance company with a back up copy of your inventory. Our helpful links page has information on how to file a claim to help you if needed.

Q: What should be documented and how do I prepare for your services?
A: Appliances, furniture, electronics, jewelry, collections, and all appraised or custom made possessions. During the first phone consultation we can identify any specific needs you may have. Copies of your insurance policy and any appraisals or receipts should be made available for the in home portion of your inventory.

Q: How long will an inventory take and what does it cost?
A: Homes or offices 1,800 to 2,000 require about 3 hours for the in home portion of the inventory at a cost of about $350.00. Each home is unique and extensive collections, garages, and basements depending on their contents would require additional time. Please feel free to contact us for a no obligation estimate.

Q: When and how will I receive my completed inventory?
A: Whenever possible your completed inventory will be hand delivered and reviewed with you in 3-5 days from the in home appointment. Others will be shipped in unadvertised packaging USPS with delivery confirmation.

Q: How can I be sure my information will be secure?
A: Your inventory is processed to written documentation and digital media on a computer that is not part of a network domain or connected to the Internet. All information is deleted form the computer at the completion of the documentation and stored in a secure off site location as a back up copy. All inventories are designated by a client code and cannot be searched by name, address, phone number or any other personal information. You will be given a confidentiality agreement at the time of the in house appointment. No information about you or your property will ever be shared to any agency without your written authorization. Garap Inventory does not provide or sell names of information to any advertisers or e-mail distributors.

Q: How can I update my information?
A: Your inventory can be updated free of charge for one year by mailing the documentation and photographs of newly acquired possession. We will be happy to revisit your home and update your inventory for a $50.00 fee within the first year. Before your 1 year expiration your inventory can be updated and stored for an additional year for a fee of $100.00.

Q: Do you provide appraisals and insurance estimates?
A: We are not insurance agents or licensed appraisers so we cannot give estimates or appraisals. We will review your policy with you and make suggestions on what you should discuss with an insurance professional. We will also make recommendations on what items you may have that should be appraised by a licensed professional. Our Partners page can guide you to both types of services in the Maryland area.