Latest / Around the House with Eric G®: Home Improvement Remodeling & DIY / How to Document Your Possessions for Insurance Claims: Expert Tips from Ken Aaron

Transcript

How to Document Your Possessions for Insurance Claims: Expert Tips from Ken Aaron · Around the House with Eric G®: Home Improvement Remodeling & DIY

0:43
It's
0:44
around
0:44
the
0:44
house.
0:46
You
0:46
bring
0:46
up
0:46
a
0:46
point
0:47
which
0:47
is
0:47
really
0:48
critical
0:48
and
0:49
that
0:49
is
0:49
with
0:50
a
0:50
claim,
0:50
you're
0:51
not
0:51
just
0:51
replacing
0:52
possessions.
0:53
It's
0:53
the
0:53
house,
0:54
the
0:54
structure.
0:55
And
0:55
it's
0:55
really
0:56
vital
0:56
to
0:56
capture
0:57
the
0:58
fixtures
0:59
and
0:59
finishes
1:00
that
1:00
are
1:00
in
1:00
the,
1:01
in
1:01
the
1:01
house.
1:02
Because
1:02
there's
1:02
so
1:02
much
1:03
money
1:03
involved
1:03
in
1:03
that.
1:04
That's
1:04
why
1:05
with
1:05
what
1:05
I
1:05
do,
1:06
because
1:06
it
1:06
captures
1:07
everything,
1:07
ceilings,
1:08
floors,
1:08
you
1:08
name
1:08
it.
1:09
It
1:09
shows
1:10
the
1:11
of
1:11
the
1:11
build
1:11
of
1:12
the
1:12
house.
1:12
And
1:12
in
1:12
addition
1:13
to
1:13
that,
1:13
the
1:13
advantage
1:13
of
1:14
the
1:14
3D
1:14
is
1:15
so
1:16
it
1:16
builds
1:16
what
1:17
it
1:17
calls
1:17
a
1:17
point
1:17
cloud,
1:18
which
1:18
is
1:18
how
1:18
it
1:18
defines
1:19
this
1:19
3D
1:20
space.
1:20
You
1:20
can
1:21
take,
1:21
we
1:21
can
1:21
take
1:22
and
1:23
export
1:23
that
1:23
point
1:24
cloud
1:24
and
1:25
give
1:25
it
1:25
to
1:25
an
1:25
architect
1:26
so
1:26
that
1:26
if
1:26
you
1:27
have
1:27
a
1:27
loss,
1:28
we
1:28
can
1:28
give
1:29
this
1:29
to
1:29
the
1:29
architect.
1:30
You
1:31
have
1:31
97%
1:32
accurate
1:33
plans.
1:34
When
1:34
it
1:35
comes
1:35
to
1:35
remodeling
1:36
and
1:36
renovating
1:36
your
1:37
home,
1:37
there
1:37
is
1:37
a
1:38
lot
1:38
to
1:38
know,
1:39
but
1:39
we've
1:39
got
1:40
you
1:40
covered.
1:42
This
1:42
is
1:42
a
1:43
around
1:43
the
1:43
house.
1:44
Welcome
1:44
to
1:44
the
1:44
Round
1:45
the
1:45
House
1:45
show,
1:45
the
1:46
next
1:46
generation
1:46
of
1:47
home
1:47
improvement.
1:48
Thanks
1:48
for
1:48
joining
1:48
me
1:48
today.
1:49
If
1:49
you
1:49
want
1:49
to
1:50
find
1:50
out
1:50
more
1:50
information
1:51
about
1:51
us,
1:51
just
1:51
head
1:52
over
1:52
to
1:52
the
1:52
website
1:52
around
1:53
the
1:53
house
1:53
online.com
1:55
and
1:56
thanks
1:56
for
1:56
tuning
1:56
in
1:56
today.
1:57
Whether
1:57
you're
1:57
listening
1:57
out
1:57
on
1:58
the
1:58
talk
1:58
media
1:58
network,
1:58
on
1:58
the
1:59
radio
1:59
or
1:59
the
1:59
podcast
2:00
or
2:01
anywhere
2:01
else
2:02
streaming,
2:02
thanks
2:02
for
2:03
joining
2:03
me
2:03
today.
2:03
We
2:03
have
2:04
a
2:04
great
2:04
subject
2:05
and
2:05
for
2:05
you
2:05
guys
2:06
out
2:06
there,
2:07
this
2:07
doesn't
2:07
even
2:07
matter
2:08
if
2:08
you're
2:08
living
2:08
in
2:08
a
2:09
rental,
2:09
a
2:10
home,
2:10
a
2:10
condo,
2:11
this
2:12
applies
2:12
to
2:13
just
2:13
about
2:13
anyone
2:14
out
2:14
there.
2:15
We've
2:15
got
2:16
Ken
2:16
Aaron
2:17
in
2:17
the
2:17
studio
2:17
today.
2:18
We're
2:18
talking
2:19
virtual
2:20
home
2:20
inventory
2:21
and
2:21
you
2:21
got
2:21
to
2:21
check
2:21
out
2:21
his
2:21
website
2:22
over@virtualhomeinventory.com
2:25
Ken,
2:25
thanks
2:25
for
2:26
joining
2:26
me
2:26
today.
2:26
Thanks
2:27
so
2:27
much,
2:27
Eric.
2:27
It's
2:28
great
2:28
to
2:28
be
2:28
here,
2:29
man.
2:29
You
2:29
are
2:30
providing
2:30
a
2:31
service
2:31
out
2:32
there
2:32
for
2:32
people
2:33
and
2:34
as
2:34
someone
2:35
who
2:35
has
2:35
had
2:35
a
2:35
break
2:36
in
2:36
before
2:36
and
2:36
it
2:36
was
2:37
a
2:37
lot
2:37
of
2:37
years
2:37
ago
2:37
and
2:37
I
2:38
lost
2:38
all
2:38
my
2:39
tools
2:39
except
2:39
for
2:39
my
2:39
big
2:40
heavy
2:40
toolbox
2:41
that
2:41
clearly
2:41
there
2:41
wasn't
2:42
enough
2:42
people
2:42
to
2:42
haul
2:43
it
2:43
off.
2:43
It
2:44
was
2:44
the
2:44
only
2:44
thing
2:44
that
2:45
got
2:45
left.
2:45
I've
2:46
had
2:46
a
2:46
big
2:46
loss
2:47
and
2:47
I
2:47
wish
2:47
I
2:48
had
2:48
taken
2:49
better
2:49
care
2:50
of
2:50
documenting
2:50
what
2:51
I
2:51
had
2:51
because
2:52
months
2:52
later
2:53
I'm
2:53
going
2:53
for
2:53
a
2:53
tool
2:54
and
2:54
I'm
2:54
like,
2:54
I
2:55
didn't
2:55
replace
2:55
it.
2:56
Yep.
2:56
Oh,
2:57
yeah,
2:57
no,
2:57
that's
2:58
always
2:58
the
2:58
case.
2:59
Every
2:59
person
2:59
I've
2:59
talked
3:00
to
3:00
that
3:00
has
3:00
had
3:01
some
3:01
kind
3:01
of
3:02
a
3:02
major
3:02
loss.
3:03
It's
3:03
the
3:03
same
3:03
story
3:04
every
3:04
time.
3:04
They
3:05
didn't
3:05
have
3:05
an
3:05
inventory,
3:06
the
3:06
settlement
3:07
was
3:07
really
3:07
low
3:08
and
3:08
they
3:09
didn't
3:09
put
3:09
everything
3:09
on
3:10
the
3:10
claim
3:10
itself.
3:11
So
3:11
that
3:12
when
3:12
they
3:12
went
3:12
to
3:12
replace
3:13
things,
3:13
it's
3:13
after
3:14
the
3:14
fact.
3:14
They're
3:14
remembering,
3:15
like
3:15
you,
3:16
the
3:16
tool
3:16
or
3:16
the
3:16
pan
3:17
or
3:17
the
3:17
artwork
3:18
or
3:18
whatever,
3:19
it
3:19
was
3:20
something
3:20
they
3:20
forgot
3:20
about
3:21
and
3:21
remembered
3:21
when
3:21
it's
3:22
way
3:22
too
3:22
late.
3:22
Yeah.
3:23
I
3:23
think
3:23
I'm
3:23
lucky
3:24
because
3:24
with
3:24
my
3:24
television
3:25
show,
3:25
I
3:25
have
3:26
documented
3:26
about
3:27
3/4
3:27
of
3:27
my
3:28
house
3:28
way
3:28
too
3:28
much
3:29
as
3:29
I'm
3:29
doing
3:30
projects
3:30
around
3:30
it.
3:30
But
3:30
it's
3:31
the
3:31
rare
3:31
instance.
3:32
Right.
3:32
Nobody
3:33
opens
3:33
up
3:33
the
3:33
drawers.
3:34
You
3:34
can
3:34
even
3:34
have
3:34
a
3:34
picture
3:35
of
3:35
your
3:35
kitchen.
3:36
But
3:36
to
3:36
go
3:37
back,
3:37
and
3:37
I
3:38
can't
3:38
go
3:38
back
3:38
and
3:38
say,
3:39
what
3:39
was
3:39
in
3:39
the
3:40
third
3:40
drawer
3:40
down
3:40
to
3:41
the
3:41
left?
3:41
Exactly.
3:42
Perfect
3:42
inventory.
3:43
I'm
3:43
sorry,
3:43
you
3:44
can't.
3:44
No.
3:45
And
3:45
that's
3:45
really
3:46
the
3:46
case.
3:46
It
3:46
is
3:46
with
3:47
everybody.
3:48
And
3:48
the
3:49
thing
3:49
is
3:49
that
3:49
it's
3:50
key
3:50
to
3:50
have
3:51
that.
3:51
And
3:51
the
3:51
reason
3:52
is,
3:53
when
3:53
it
3:53
comes
3:53
to
3:53
your
3:54
insurance
3:54
and
3:54
90%,
3:55
I
3:55
believe,
3:55
at
3:56
least
3:56
of
3:56
the
3:56
policies
3:56
out
3:57
there
3:57
are
3:57
replacement
3:58
cost.
3:58
To
3:59
get
3:59
that
3:59
replacement
4:00
cost,
4:00
you
4:00
have
4:00
to
4:00
prove
4:01
what
4:01
you
4:01
had,
4:02
and
4:02
that's
4:03
proof
4:03
of
4:03
possession,
4:04
quality,
4:05
and
4:05
condition.
4:06
The
4:06
only
4:06
way
4:06
to
4:06
do
4:07
that
4:07
is
4:07
with
4:07
a
4:07
visible
4:08
record
4:09
of
4:09
it.
4:09
Photographs,
4:10
video,
4:10
et
4:10
cetera.
4:11
But
4:11
you
4:12
also
4:12
need
4:12
brands,
4:13
model
4:13
numbers,
4:13
and
4:14
all
4:14
that
4:14
stuff.
4:14
Yeah,
4:15
that
4:15
is
4:15
great.
4:15
So
4:16
how
4:16
does
4:16
this
4:16
work
4:16
with
4:16
you
4:17
as
4:17
you
4:17
go
4:17
around?
4:17
You
4:18
guys
4:18
have
4:18
a
4:19
great
4:19
service
4:19
that
4:19
you
4:19
do
4:20
around
4:20
the
4:20
country,
4:20
and
4:21
I
4:21
think
4:21
that's
4:21
super
4:22
cool.
4:22
How
4:23
does
4:23
this
4:23
work?
4:24
So
4:24
what
4:25
I
4:25
do
4:25
is
4:26
I
4:26
combine
4:27
3D
4:28
imagery
4:28
and
4:29
photography
4:30
to
4:30
create
4:30
a
4:31
complete
4:31
digital
4:32
copy
4:32
of
4:32
a
4:32
home
4:32
and
4:33
its
4:33
contents.
4:34
So
4:34
we've
4:34
seen
4:35
the
4:35
3D
4:35
virtual
4:36
tours
4:36
that
4:37
realtors
4:37
use
4:37
to
4:38
show
4:38
houses.
4:39
Same
4:39
technology.
4:40
I
4:40
only
4:40
take
4:41
it
4:41
a
4:41
lot
4:41
further.
4:42
So
4:42
I
4:42
start
4:43
with
4:43
a
4:43
3D
4:43
scan
4:44
of
4:44
the
4:44
entire
4:44
house.
4:45
Then
4:45
I
4:45
go
4:46
back
4:46
through
4:46
the
4:47
entire
4:47
house
4:47
and
4:48
photograph
4:48
the
4:48
contents
4:49
of
4:49
every
4:49
cabinet,
4:50
closet,
4:50
drawer.
4:51
I
4:51
will
4:52
go
4:52
into
4:53
getting
4:53
the
4:53
serial
4:54
numbers
4:54
and
4:54
model
4:54
numbers
4:55
for
4:55
appliances,
4:56
H
4:56
Vac,
4:57
anything
4:57
of
4:57
value.
4:58
And
4:58
if
4:58
the
4:59
client
4:59
has
4:59
artwork
5:00
and
5:00
stuff
5:00
that
5:00
needs
5:01
to
5:01
be
5:01
more
5:02
fully
5:02
documented,
5:03
I
5:03
can
5:03
do
5:03
all
5:04
that.
5:04
Whether
5:04
it's
5:04
signatures
5:05
for
5:06
jewelry,
5:06
maker's
5:06
marks,
5:07
all
5:07
that
5:07
stuff
5:07
that
5:08
matters.
5:08
That's
5:09
all
5:09
combined.
5:10
All
5:10
that
5:11
information
5:11
is
5:11
then
5:11
embedded
5:12
back
5:12
into
5:13
the
5:13
3D
5:13
virtual
5:14
tour.
5:14
So
5:14
as
5:14
you're
5:15
going
5:15
through
5:15
the
5:15
house,
5:15
like
5:15
you
5:16
walk
5:16
through
5:16
with
5:16
the
5:16
Realtor,
5:17
in
5:17
my
5:18
case,
5:18
you
5:18
can
5:18
click
5:18
on
5:19
a
5:19
cabinet,
5:19
and
5:19
it'll
5:20
show
5:20
you
5:20
a
5:20
gallery
5:20
of
5:21
what's
5:21
in
5:21
that
5:21
cabinet
5:22
or
5:22
drawer
5:22
or
5:22
closet.
5:23
Nice.
5:24
That
5:24
is
5:24
cool.
5:24
And.
5:25
And
5:25
it
5:25
comes
5:25
down
5:25
to
5:25
art.
5:26
It's
5:26
an
5:26
interesting
5:26
one
5:27
because
5:27
you
5:27
can
5:27
go
5:27
through
5:27
and
5:28
snap
5:28
a
5:28
quick
5:28
picture,
5:29
but
5:29
if
5:29
it's
5:30
a.
5:30
If
5:30
it's
5:30
a
5:31
print
5:31
or
5:31
it's
5:31
a
5:32
lithograph
5:32
or
5:33
it's
5:33
an
5:33
actual
5:34
canvas
5:34
painting
5:35
that
5:35
was
5:35
a
5:35
limited
5:35
edition
5:36
that
5:36
you
5:36
bought
5:36
at
5:36
a
5:36
gallery
5:37
many
5:37
times
5:37
there's
5:38
a
5:38
certificate,
5:38
proof
5:39
of
5:39
authenticity
5:40
that
5:40
maybe
5:40
is
5:40
on
5:41
the
5:41
back
5:41
of
5:41
it
5:41
or
5:41
a
5:41
separate
5:42
thing.
5:42
You
5:43
need
5:43
to
5:43
keep
5:43
all
5:43
that
5:43
stuff
5:44
so
5:44
you
5:45
can
5:45
prove
5:45
that,
5:45
yeah,
5:46
this
5:46
isn't
5:46
just
5:46
something
5:46
that
5:47
I
5:47
bought
5:47
from
5:47
a
5:47
street
5:48
vendor
5:48
someplace.
5:48
This
5:49
is
5:49
actually
5:49
the
5:49
real
5:49
deal.
5:50
Exactly.
5:51
And
5:51
I'm.
5:51
I'm
5:52
surprised
5:52
at
5:52
how
5:53
many
5:53
times
5:53
people
5:54
have
5:54
collectibles
5:54
like
5:55
that.
5:55
Art,
5:55
antiques,
5:56
etc.
5:57
All
5:57
of
5:57
those
5:57
do
5:58
require
5:58
a
5:58
separate
5:59
insurance
5:59
policy.
6:00
The
6:00
layers,
6:01
limitations
6:01
on
6:01
your
6:02
home,
6:02
insurance
6:02
on
6:02
art
6:03
and
6:03
those
6:03
things.
6:04
So
6:04
they
6:04
need
6:04
a
6:04
separate
6:05
policy.
6:05
And
6:05
just
6:05
how
6:05
many
6:06
people
6:06
have
6:06
not
6:06
gone
6:07
to
6:07
that
6:07
point
6:08
and
6:08
done
6:09
that
6:09
documentation
6:09
is
6:10
surprising
6:10
because
6:10
there
6:11
is
6:11
a
6:11
lot
6:11
of
6:11
value
6:12
in
6:12
there.
6:12
And
6:13
one
6:13
key
6:13
thing
6:14
to
6:14
consider
6:15
when
6:15
it
6:16
comes
6:16
to
6:16
an
6:17
insurance
6:17
claim,
6:18
the
6:18
idea
6:18
is
6:19
not
6:19
to
6:19
replace
6:20
your
6:20
stuff.
6:20
The
6:21
idea
6:21
is
6:22
to
6:22
recover
6:22
at
6:23
the
6:23
lifestyle
6:23
you
6:24
had
6:24
before
6:25
the
6:25
loss.
6:26
And
6:26
the
6:26
only
6:26
way
6:26
to
6:26
do
6:26
that
6:27
is
6:27
to
6:27
have
6:27
the
6:27
proof.
6:28
With
6:28
my
6:28
house,
6:29
it's
6:29
been
6:29
very
6:29
interesting
6:29
and
6:30
I've
6:30
had,
6:30
I've
6:30
got
6:31
a
6:31
great,
6:32
a
6:32
great
6:32
agent
6:33
who's
6:33
a
6:33
buddy
6:33
of
6:33
mine
6:34
that
6:34
I
6:34
used
6:35
to
6:35
work
6:35
with.
6:35
So
6:35
it's
6:35
great.
6:36
But
6:36
I
6:37
sat
6:37
down
6:37
when
6:37
I
6:37
changed
6:38
policies
6:38
on
6:38
my
6:38
home
6:39
a
6:39
few
6:39
years
6:39
ago
6:39
and
6:40
I
6:40
looked
6:40
at
6:40
it,
6:40
I'm
6:40
like,
6:41
oh
6:41
my
6:41
gosh.
6:42
I
6:42
did
6:42
this
6:43
online.
6:43
I
6:43
didn't
6:44
talk
6:44
to
6:44
anybody.
6:45
I
6:45
went
6:45
on
6:45
to,
6:46
we're
6:46
not
6:46
going
6:46
to
6:46
name
6:46
name
6:46
brands
6:47
here.
6:47
But
6:47
I
6:47
jumped
6:47
online,
6:48
filled
6:48
out
6:48
a
6:48
policy,
6:48
went
6:49
cool,
6:49
got
6:49
my
6:49
homeowner's
6:50
policy
6:50
ready
6:51
to
6:51
go.
6:51
Then
6:52
I
6:52
started
6:52
thinking,
6:53
wait
6:53
a
6:53
minute,
6:53
I've
6:53
done
6:53
all
6:54
these
6:54
remodels
6:54
and
6:55
things
6:55
since
6:55
then.
6:56
And
6:57
we
6:57
had
6:57
to
6:57
really
6:58
go
6:58
back
6:58
to
6:58
the
6:59
insurance
6:59
company
7:00
and
7:00
say
7:00
even
7:01
though
7:01
that
7:01
I
7:01
maxed
7:02
out
7:02
on
7:02
what
7:02
I
7:02
could
7:02
put
7:02
on
7:03
my
7:03
house,
7:03
do
7:04
you
7:04
realize
7:04
I
7:04
can't
7:05
do
7:05
it
7:05
for
7:05
what
7:05
you're
7:05
trying
7:06
to
7:06
do?
7:06
I
7:06
don't
7:07
have
7:07
this
7:07
big
7:07
extravagant
7:08
mansion.
7:08
This
7:08
house
7:09
is
7:09
1300
7:10
square
7:10
feet.
7:11
It's
7:11
not
7:11
big,
7:12
but
7:12
I've
7:12
got
7:13
higher
7:13
quality
7:13
stuff
7:14
in
7:14
there.
7:14
And
7:14
doing
7:14
the
7:15
mental
7:15
math,
7:15
I'm
7:15
like,
7:16
even
7:16
at
7:16
what
7:17
that
7:17
company
7:18
was
7:18
going
7:18
to
7:18
do
7:19
wasn't
7:19
going
7:19
to
7:19
get
7:20
me
7:20
back
7:20
into
7:20
the
7:20
same
7:21
lifestyle
7:21
and
7:21
the
7:22
same
7:22
things
7:22
that
7:22
I'd
7:22
put
7:22
in
7:23
there.
7:23
No.
7:24
And
7:24
that
7:25
you
7:25
bring
7:25
up
7:25
a
7:26
point
7:26
which
7:26
is
7:27
really
7:27
critical
7:27
and
7:28
that
7:28
is
7:28
with
7:29
a
7:29
claim,
7:29
you're
7:30
not
7:30
just
7:30
replacing
7:31
possessions.
7:32
It's
7:32
the
7:32
house,
7:33
the
7:33
structure.
7:34
And
7:34
it's
7:35
really
7:35
vital
7:35
to
7:36
capture
7:36
the
7:37
fixtures
7:37
and
7:38
finishes
7:38
that
7:39
are
7:39
in
7:39
the,
7:39
in
7:39
the
7:40
house.
7:40
Because
7:41
there's
7:41
so
7:41
much
7:41
money
7:42
involved
7:42
in
7:42
that.
7:43
That's
7:43
why,
7:43
with
7:44
what
7:44
I
7:44
do,
7:44
because
7:45
it
7:45
captures
7:45
everything.
7:46
Ceilings,
7:46
floors,
7:47
you
7:47
name
7:47
it.
7:48
It
7:48
shows
7:48
the,
7:49
the
7:49
quality
7:50
of
7:50
the
7:50
build
7:50
of
7:50
the
7:50
house.
7:51
And
7:51
in
7:51
addition
7:51
to
7:51
that,
7:52
the
7:52
advantage
7:52
of
7:52
the
7:52
3D
7:53
is
7:54
so
7:55
it
7:55
builds
7:55
what
7:55
it
7:55
calls
7:56
a
7:56
point
7:56
cloud,
7:56
which
7:57
is
7:57
how
7:57
it
7:57
defines
7:57
this
7:58
3D
7:58
space.
7:59
You
7:59
can
7:59
take,
8:00
we
8:00
can
8:00
take
8:01
and
8:01
export
8:02
that
8:02
point
8:02
cloud
8:03
and
8:03
give
8:03
it
8:04
to
8:04
an
8:04
architect
8:05
so
8:05
that
8:05
if
8:05
you
8:05
have
8:06
a
8:06
loss,
8:06
we
8:07
can
8:07
give
8:07
your
8:08
this
8:08
to
8:08
the
8:08
architect.
8:09
You
8:09
have
8:10
97%
8:11
accurate
8:12
plans
8:13
to
8:13
start
8:13
with
8:14
and
8:14
the
8:14
architect
8:14
can
8:14
then
8:15
just
8:15
tweak
8:15
it.
8:16
That
8:16
is
8:16
so
8:17
brilliant.
8:17
Because
8:17
think
8:17
about
8:18
a
8:18
kitchen,
8:18
right?
8:18
Let's
8:18
say
8:19
you
8:19
just
8:19
got
8:19
done
8:19
through
8:19
a
8:20
kitchen
8:20
remodel
8:20
and
8:20
maybe
8:21
you
8:21
have
8:21
a
8:22
kitchen
8:22
fire
8:22
that
8:23
completely
8:23
totals
8:24
that
8:24
space
8:24
is
8:24
a
8:24
great
8:25
example.
8:26
And
8:26
insurance
8:27
company
8:27
goes,
8:27
cool.
8:28
Kitchen
8:28
faucet.
8:29
Kitchen
8:29
faucet
8:30
could
8:30
be
8:30
something
8:30
that's
8:31
$50
8:32
on
8:32
Amazon.com
8:33
or
8:34
it
8:34
could
8:34
be
8:35
$11,000
8:36
through
8:37
Waterstones.
8:38
And
8:38
there's
8:38
a
8:38
big
8:39
difference
8:39
in
8:39
between
8:39
those.
8:40
And
8:40
so
8:41
if
8:41
you
8:41
don't
8:41
have
8:41
that
8:42
stuff
8:42
documented,
8:42
you
8:43
go,
8:43
well,
8:44
really,
8:44
it
8:44
was
8:44
this.
8:45
There's
8:45
a
8:45
big
8:45
difference
8:46
there.
8:46
And
8:46
that
8:46
could
8:46
be
8:46
an
8:46
incredible
8:47
hit
8:48
as
8:48
far
8:48
as
8:48
the
8:48
quality
8:49
that
8:49
you're
8:49
trying
8:49
to
8:49
put
8:50
back
8:50
into
8:50
that.
8:51
Exactly.
8:51
And
8:52
that's
8:52
why,
8:52
whether
8:52
you
8:53
are
8:53
hiring
8:53
a
8:54
contractor
8:54
to
8:54
do
8:54
this
8:55
work
8:55
for
8:55
you
8:55
or
8:56
you're
8:56
doing
8:56
it
8:56
yourself,
8:57
because
8:57
I'm
8:58
not
8:58
that
8:58
guy.
8:58
But
8:59
I
8:59
know
8:59
lots
8:59
of
8:59
really
9:00
skilled
9:00
people
9:00
who
9:01
do
9:01
a
9:01
lot
9:01
of
9:01
work
9:01
on
9:01
their
9:02
house.
9:02
And
9:03
it's
9:03
vital
9:04
to
9:04
a
9:05
document
9:05
what
9:06
you
9:06
did.
9:06
So
9:06
show
9:07
a
9:07
before
9:07
and
9:07
after.
9:07
Just
9:08
take
9:08
some
9:08
quick
9:08
photos
9:09
with
9:09
your
9:09
camera,
9:10
with
9:10
your
9:10
phone,
9:11
but
9:12
also
9:12
save
9:13
all
9:13
of
9:13
those
9:13
receipts.
9:14
The
9:14
receipts,
9:14
I
9:15
cannot
9:15
tell
9:15
you
9:15
how
9:15
important
9:16
they
9:16
are.
9:16
And
9:17
I
9:17
am
9:17
just
9:17
as
9:18
guilty
9:18
as
9:18
everybody
9:18
else.
9:19
Before
9:19
I
9:20
came
9:20
up
9:20
with
9:20
developing
9:21
this
9:21
company,
9:22
I
9:22
did
9:22
not
9:22
have
9:23
an
9:23
home
9:23
inventory.
9:24
I
9:24
did
9:24
not
9:24
save
9:24
receipts.
9:25
I'm
9:25
just
9:25
as
9:25
guilty.
9:26
My
9:26
first
9:27
home
9:27
inventory
9:27
was
9:27
my
9:28
first
9:28
prototype.
9:29
But
9:29
now,
9:30
yeah,
9:31
now
9:31
everything
9:32
is
9:32
documented
9:33
and
9:33
saved.
9:34
And
9:34
it's
9:34
so
9:35
important.
9:35
It
9:36
really
9:36
is.
9:36
And
9:37
with
9:37
cloud
9:38
storage
9:38
and
9:38
things
9:38
like
9:39
that
9:39
these
9:39
days,
9:40
it's
9:40
so
9:40
easy
9:40
to
9:41
put
9:41
it
9:41
in
9:41
multiple
9:41
places.
9:42
So
9:42
you
9:42
have
9:42
that.
9:43
Not
9:43
only
9:43
maybe
9:44
do
9:44
you
9:44
have
9:44
a
9:44
copy
9:44
and
9:44
a
9:45
save,
9:45
but
9:45
you
9:45
could
9:45
have
9:45
it
9:45
up
9:46
in
9:46
the
9:46
cloud
9:46
and
9:46
it's
9:46
going
9:47
to
9:47
be
9:47
there
9:47
forever.
9:48
Exactly.
9:49
And
9:49
my
9:49
system
9:50
or
9:50
my
9:50
service
9:50
is
9:51
cloud
9:51
based.
9:51
You
9:52
access
9:52
it
9:52
from
9:53
any
9:53
device,
9:54
so
9:54
your
9:55
phone,
9:55
your
9:55
tablet
9:56
computer.
9:57
Now
9:57
if
9:57
you
9:58
lost
9:58
all
9:58
those
9:59
in
9:59
the
9:59
fire,
10:00
all
10:00
you
10:00
have
10:01
to
10:01
do
10:01
is
10:01
get
10:01
access
10:01
to
10:02
a
10:02
device
10:03
to
10:03
get
10:03
to
10:03
it
10:03
and
10:03
you
10:04
bring
10:04
up
10:04
the
10:04
key
10:04
Point
10:04
of
10:05
backing
10:05
it
10:05
up
10:05
in
10:05
the
10:05
cloud.
10:06
One
10:06
example
10:07
was
10:07
friends
10:07
who
10:07
went
10:08
through
10:08
a
10:08
personal
10:09
loss
10:09
out
10:09
in
10:10
Bend.
10:10
They
10:11
literally
10:11
woke
10:11
up
10:11
in
10:12
the
10:12
middle
10:12
of
10:12
the
10:12
night,
10:13
house
10:13
totally
10:14
engulfed
10:14
in
10:14
flames.
10:15
All
10:15
they
10:15
had
10:16
time
10:16
to
10:16
do
10:16
was
10:17
run
10:17
out
10:17
the
10:17
door.
10:17
Wallets,
10:18
phones,
10:18
everything
10:19
was
10:19
left
10:19
behind.
10:20
And
10:21
what
10:21
was
10:21
left
10:21
was
10:22
a
10:22
few
10:22
half
10:23
walls
10:23
standing
10:23
and
10:24
a
10:24
pile
10:24
of
10:24
ashes.
10:25
Yeah,
10:26
they
10:26
didn't
10:26
have
10:26
an
10:26
inventory
10:27
and
10:27
it
10:27
was
10:28
really
10:28
turned
10:28
into
10:28
a
10:29
bad
10:29
scenario
10:29
for
10:29
them.
10:30
But
10:30
the
10:30
point
10:30
is,
10:30
is
10:31
that
10:31
you,
10:32
if
10:32
you
10:32
don't
10:32
put
10:32
it
10:32
in
10:32
the
10:33
cloud,
10:33
you
10:33
can
10:33
lose
10:34
your
10:34
inventory
10:35
if
10:35
it's
10:35
in
10:35
the
10:35
house
10:36
as
10:36
it
10:36
burns
10:36
or
10:37
is
10:37
lost
10:37
in
10:37
a
10:38
fire,
10:38
earthquake,
10:39
flood,
10:39
whatever.
10:40
Yeah,
12:11
that,
12:11
that
12:11
makes
12:11
a
12:12
great
12:12
point.
12:12
And
12:12
that's
12:12
one
12:12
of
12:12
the
12:13
things
12:13
I
12:13
want
12:13
to
12:13
bring
12:13
on
12:14
just
12:14
as
12:14
a,
12:14
as
12:15
a
12:15
side
12:15
discussion
12:16
here
12:16
that
12:17
everybody
12:17
out
12:17
there
12:18
tuning
12:18
into
12:19
this
12:19
show
12:19
right
12:19
now,
12:20
that's
12:20
listening
12:20
in.
12:21
I
12:21
want
12:21
to
12:21
make
12:21
sure
12:22
that
12:22
you
12:22
understand
12:23
that
12:23
you
12:23
can
12:23
have
12:24
all
12:24
the
12:24
best
12:24
inventory.
12:25
But
12:25
if
12:25
you
12:25
haven't
12:25
taken
12:26
that
12:26
time
12:27
to
12:27
work
12:27
with
12:28
your
12:28
agent
12:28
and
12:29
have
12:29
the
12:29
discussion
12:29
of
12:30
what
12:30
you
12:30
got.
12:31
Great
12:31
example.
12:32
I
12:32
have
12:32
a
12:32
really.
12:32
One
12:33
of
12:33
my
12:33
best
12:33
friends
12:34
had
12:34
a
12:34
cabin
12:34
up
12:35
here
12:35
on
12:36
Mount
12:36
Hood.
12:37
And
12:37
it
12:37
was
12:37
one
12:37
of
12:38
those
12:38
cabins
12:38
that
12:39
had
12:39
the
12:39
hundred
12:39
year
12:39
lease
12:40
but
12:40
on
12:41
the
12:41
government
12:41
land
12:41
up
12:42
there,
12:42
the
12:42
fore
12:42
service
12:43
land.
12:43
Beautiful
12:44
50s
12:45
style
12:45
cabin,
12:46
wood
12:46
plank
12:47
walls,
12:47
gorgeous.
12:47
When
12:47
I
12:48
had
12:48
the
12:48
windstorms
12:48
this
12:49
last,
12:49
this
12:49
last
12:49
spring
12:50
I
12:50
think
12:50
in
12:50
February,
12:51
they
12:51
lost
12:51
power
12:51
out
12:52
there.
12:52
The
12:52
house,
12:52
it
12:52
froze
12:53
up.
12:54
And
12:54
so
12:54
once
12:55
it
12:55
got
12:55
thought
12:55
out,
12:56
by
12:56
the
12:56
time
12:56
they
12:56
got
12:56
out
12:57
there,
12:57
he
12:57
was
12:57
sitting
12:57
at
12:57
home,
12:57
he's
12:58
like
12:58
what's
12:58
that
12:58
on
12:59
my
12:59
security
12:59
camera?
13:00
And
13:00
it
13:00
was
13:01
a
13:01
3
13:01
quarter
13:01
inch
13:01
water
13:02
line
13:02
that
13:02
had
13:02
been
13:02
broken
13:03
and
13:03
it
13:03
was
13:03
running
13:03
through
13:04
the
13:04
ceiling,
13:04
through
13:04
the
13:05
lights.
13:05
He
13:05
was
13:06
trying
13:06
to
13:06
figure
13:06
out
13:06
what
13:06
it
13:06
was.
13:07
By
13:07
the
13:07
time
13:08
they
13:08
got
13:08
in
13:08
the
13:08
car,
13:09
drove
13:09
the
13:09
two
13:10
hours
13:10
from
13:10
where
13:10
they
13:10
live
13:11
out
13:11
there,
13:11
they
13:12
had
13:12
a
13:12
massive
13:13
problem.
13:14
And
13:14
the
13:14
bad
13:15
part
13:15
was,
13:15
is
13:15
the
13:16
insurance
13:16
company
13:16
was
13:17
said
13:17
they'd
13:17
cover
13:17
up
13:17
to
13:17
$200,000
13:18
on
13:19
the
13:19
place.
13:19
Their
13:20
bill
13:20
for
13:21
water
13:21
damage
13:21
and
13:22
remediation
13:23
after
13:23
it
13:23
was
13:24
gutted
13:24
down
13:24
to
13:24
the
13:24
studs
13:25
from
13:25
the
13:25
company
13:25
was
13:25
like
13:26
$130,000.
13:27
Yeah,
13:28
no.
13:28
And
13:29
that
13:29
wipes
13:29
out.
13:29
So
13:29
just
13:30
imagine
13:30
how
13:30
much
13:30
they
13:30
have
13:31
left
13:31
to
13:31
replace
13:32
everything
13:32
else
13:33
and
13:33
rebuild
13:33
the
13:33
house.
13:34
Oh
13:34
yeah.
13:35
Oh
13:35
no,
13:35
exactly,
13:36
exactly.
13:36
Just
13:37
got
13:37
to
13:37
pay
13:37
attention
13:37
to
13:37
what
13:38
things
13:38
cost
13:38
and,
13:39
and
13:39
pay
13:40
attention
13:40
to.
13:40
You
13:40
could
13:41
have
13:41
lead
13:41
paint,
13:41
you
13:41
could
13:42
have
13:42
asbestos.
13:42
So
13:43
I
13:43
just
13:43
want
13:44
everybody
13:44
out
13:44
there
13:44
to
13:44
make
13:45
sure
13:45
that
13:45
you're
13:45
having
13:45
these
13:46
conversations
13:47
as
13:47
a
13:47
whole
13:48
part
13:48
of
13:48
this
13:48
episode
13:49
here.
13:49
Because
13:49
that's
13:50
a
13:50
part
13:50
that
13:50
I
13:50
don't
13:50
want
13:50
anybody
13:51
to
13:51
skip
13:51
over.
13:51
This
13:52
part
13:52
here
13:52
is
13:52
super
13:53
important
13:53
for
13:53
you,
13:54
but
13:54
you
13:55
still
13:55
got
13:55
to
13:55
get
13:55
it
13:55
replaced,
13:56
right?
13:56
You
13:57
do.
13:57
And
13:57
it's
13:58
the
13:58
point
13:59
about
13:59
knowing
13:59
what
14:00
you
14:00
have.
14:01
So
14:02
if
14:02
you
14:02
don't
14:02
know
14:02
what
14:02
you
14:02
have,
14:03
you
14:03
can't
14:03
buy
14:03
the
14:03
proper
14:04
amount
14:04
of
14:04
insurance.
14:05
There's
14:05
a
14:05
classic
14:06
example.
14:06
So
14:07
the
14:07
inventory
14:08
serves
14:08
that
14:08
purpose.
14:09
You
14:09
can
14:09
buy
14:09
the
14:09
right
14:10
amount
14:10
of
14:10
insurance.
14:11
Talked
14:11
to
14:12
a
14:12
public
14:12
adjuster
14:13
just
14:13
the
14:13
other
14:13
day
14:14
who
14:14
had
14:14
told
14:14
me
14:14
that
14:15
his
14:16
experience
14:16
is
14:17
most
14:17
people
14:17
are
14:18
either
14:18
way
14:18
overinsured
14:19
or
14:19
way
14:20
underinsured.
14:20
So
14:21
you're
14:21
either
14:21
paying
14:22
extra
14:22
money
14:22
that
14:22
you
14:23
shouldn't
14:23
and
14:23
you're
14:24
losing
14:24
that,
14:25
or
14:25
if
14:26
you
14:26
have
14:26
a
14:27
loss
14:27
and
14:27
you
14:28
make
14:28
the
14:28
claim,
14:28
you're
14:28
not
14:29
going
14:29
to
14:29
get
14:29
everything
14:29
because
14:29
you're
14:30
way
14:30
underinsured
14:30
from
14:31
where
14:31
you
14:31
should
14:31
be.
14:32
And
14:32
the
14:33
inventory
14:33
can
14:33
help
14:34
you
14:34
determine
14:34
that.
14:34
At
14:35
least
14:35
get
14:35
it
14:35
much
14:36
closer
14:36
to
14:36
where
14:36
it
14:36
should
14:37
be.
14:37
There's
14:38
also
14:38
estate
14:39
planning.
14:39
Now,
14:39
I
14:40
know
14:40
a
14:40
lot
14:40
of
14:40
people
14:40
say,
14:40
I
14:41
don't
14:41
have
14:41
a
14:41
big
14:41
estate
14:41
and
14:42
all
14:42
that.
14:42
You
14:42
have
14:42
stuff
14:43
and
14:43
you
14:43
have
14:43
stuff
14:44
you
14:44
want
14:44
to
14:44
leave
14:44
to
14:45
family
14:45
and
14:45
friends.
14:46
It
14:46
all
14:46
needs
14:47
to
14:47
be
14:47
documented
14:48
and
14:48
noted
14:48
as
14:48
to
14:48
where
14:49
it
14:49
goes.
14:49
And
14:49
again,
14:50
the
14:50
inventory
14:50
is
14:50
the
14:51
way.
14:51
The
14:51
only
14:51
way
14:51
to
14:51
do
14:51
it.
14:52
So
14:52
you
14:52
can
14:52
actually
14:52
accomplish
14:53
multiple
14:53
things
14:54
by
14:54
just
14:54
getting
14:54
the
14:55
inventory
14:55
done.
14:56
That's
14:56
a
14:56
great
14:56
point,
14:57
Ken,
14:57
because
14:57
now
14:57
all
14:57
of
14:57
a
14:57
sudden,
14:58
if
14:58
you're
14:58
going
14:58
to
14:58
be
14:58
doing
14:59
a
14:59
will
14:59
around
15:00
that
15:00
you
15:00
have
15:00
an
15:00
inventory
15:00
to
15:01
work
15:01
from.
15:01
And
15:02
so
15:02
you
15:02
can
15:02
go,
15:02
hey,
15:03
as
15:03
of
15:03
this
15:03
point,
15:04
I've
15:04
got
15:04
this,
15:04
and
15:04
this
15:05
is
15:05
how
15:05
I
15:05
want
15:05
to
15:06
dish
15:06
this
15:06
out
15:06
to
15:07
family
15:07
members
15:07
or
15:07
be
15:08
donated
15:08
or
15:08
whatever
15:08
you
15:09
want
15:09
to
15:09
do
15:09
with
15:09
it,
15:09
because
15:10
it's
15:10
your
15:10
call.
15:10
But
15:11
if
15:11
you
15:11
don't
15:11
have
15:11
that,
15:12
it's
15:12
an
15:12
incomplete
15:13
list.
15:13
It
15:13
is.
15:14
And
15:14
on
15:14
top
15:14
of
15:15
that,
15:15
families
15:16
are
15:16
families.
15:17
And
15:17
what
15:17
happened?
15:18
So
15:18
that
15:18
painting
15:19
that
15:19
was
15:19
in
15:20
Grandma's
15:20
house
15:21
over
15:21
the
15:21
fireplace.
15:22
What?
15:22
Wait,
15:22
where
15:23
did
15:23
that
15:23
go?
15:24
It
15:24
disappeared
15:25
because
15:26
someone
15:27
wanted
15:27
it.
15:27
And
15:27
they'll
15:28
say
15:28
they
15:28
snuck
15:28
in
15:28
there
15:28
and
15:29
got
15:29
it.
15:29
And
15:29
that
15:29
happens
15:30
much
15:30
more
15:30
frequently.
15:31
Exactly.
15:32
It's
15:33
much
15:33
more
15:33
common
15:33
than
15:34
you
15:34
think.
15:34
And
15:35
by,
15:35
again,
15:35
having
15:36
that
15:36
documented,
15:37
everything
15:37
can
15:37
be
15:38
equitable
15:38
and
15:38
you
15:38
can
15:39
keep
15:39
the
15:40
difficulties
15:41
surrounding
15:41
families
15:42
at
15:42
that
15:42
time
15:43
down
15:43
to
15:43
a
15:44
moderate
15:44
level.
15:45
Yeah.
15:45
It's
15:45
still
15:45
going
15:46
to
15:46
probably
15:46
look
15:46
like
15:46
a
15:46
General
15:47
Hospital
15:47
episode
15:48
when
15:48
it's
15:48
all
15:48
said
15:48
and
15:49
done.
15:49
But
15:50
it
15:51
families
15:51
and
15:52
show
15:52
me
15:52
a
15:52
family
15:52
that's
15:53
going
15:53
to
15:53
sit
15:53
down
15:53
and
15:53
go,
15:54
oh,
15:54
that's
15:54
wonderful,
15:55
great.
15:55
It
15:55
doesn't
15:56
exist
15:56
that
15:56
way.
15:56
There's
15:56
going
15:57
to
15:57
be
15:57
some
15:58
bit
15:58
of
15:58
stress
15:59
because
16:00
you
16:00
want
16:00
to
16:00
eliminate
16:00
as
16:01
much
16:01
of
16:01
that
16:01
as
16:01
you
16:01
can.
16:02
Exactly,
16:03
exactly.
16:03
And
16:04
preparation
16:04
is
16:04
key.
16:05
So
16:05
the
16:05
process
16:06
is
16:06
so
16:06
okay,
16:06
we've
16:07
got
16:07
people
16:07
out
16:07
there
16:07
right
16:08
now
16:08
that
16:08
are
16:08
tuning
16:08
in
16:08
going
16:09
oh
16:09
my
16:09
gosh,
16:10
I'm
16:10
way
16:10
behind
16:10
the
16:10
eight
16:11
ball.
16:11
How
16:12
do
16:12
I
16:12
start
16:12
this
16:12
process?
16:13
Okay.
16:14
If
16:14
it's.
16:15
Are
16:15
you
16:15
talking
16:15
about
16:16
hiring
16:16
me
16:16
or.
16:16
Hiring
16:17
like
16:17
hey,
16:17
I
16:17
don't
16:18
have
16:18
the
16:18
time
16:18
to
16:18
go
16:19
through
16:19
and
16:19
do
16:20
this.
16:20
I,
16:20
I
16:21
have
16:21
a
16:21
full
16:21
busy
16:22
life.
16:22
I'm
16:22
working,
16:22
I've
16:23
got
16:23
vacations.
16:24
I
16:24
want
16:24
to
16:24
have
16:25
somebody
16:25
knock
16:25
this
16:26
out
16:26
for
16:26
me
16:26
because
16:26
I
16:27
want
16:27
it
16:27
done
16:27
right.
16:28
And
16:28
do
16:28
it,
16:28
do
16:28
it
16:29
and
16:29
get
16:29
it
16:29
done.
16:29
Okay.
16:30
So
16:31
the
16:31
best
16:31
first
16:32
visit
16:33
my
16:33
website,
16:33
call
16:34
me,
16:34
let's
16:34
have
16:35
a
16:35
conversation.
16:36
I'll
16:36
explain
16:36
the
16:37
process
16:37
which
16:38
I
16:38
went
16:38
over
16:39
earlier.
16:40
Answer
16:40
questions
16:41
they
16:41
have.
16:41
Then
16:42
we
16:42
have
16:42
a
16:42
conversation
16:43
about
16:43
how
16:43
much
16:44
stuff
16:44
they
16:44
have.
16:45
If
16:45
it's
16:45
someone
16:46
who
16:46
is
16:46
not
16:46
a
16:46
big
16:47
collector,
16:47
it's
16:48
typical
16:48
people
16:48
that
16:48
have
16:49
stuff
16:49
that
16:50
they
16:50
want
16:50
to
16:50
document,
16:51
that's
16:51
fairly
16:52
straightforward.
16:53
I
16:53
can
16:53
go
16:53
through,
16:54
have
16:54
a
16:54
good
16:54
estimate
16:55
based
16:55
on
16:55
square
16:55
footage
16:55
of
16:56
the
16:56
house
16:56
on
16:56
how
16:56
much
16:57
time
16:57
it's
16:57
going
16:57
to
16:57
take
16:58
me.
16:58
Now
16:58
if
16:59
they
16:59
have
16:59
other
17:00
higher
17:00
value
17:00
items,
17:01
then
17:01
we
17:01
start
17:01
talking
17:02
about
17:02
how
17:02
many
17:02
there
17:03
are
17:03
so
17:03
that
17:03
I
17:03
can
17:04
determine
17:04
how
17:04
much
17:04
extra
17:05
time
17:05
that
17:05
takes.
17:06
A
17:06
typical.
17:07
I'll
17:07
just
17:07
give
17:08
you
17:08
an
17:08
example.
17:08
I
17:09
was
17:09
in
17:09
Des
17:09
Moines,
17:09
Iowa
17:10
just
17:10
this
17:11
past
17:11
weekend
17:12
working
17:12
for
17:12
clients.
17:13
It's
17:13
a
17:13
couple.
17:13
They
17:13
have
17:13
two
17:14
homes.
17:14
I
17:14
did
17:14
both
17:14
homes.
17:15
One
17:15
home
17:16
was
17:16
in
17:16
the
17:17
1800
17:17
square
17:18
foot
17:18
range.
17:18
The
17:18
other
17:19
one
17:19
is
17:19
about
17:19
2500.
17:20
Both
17:20
of
17:21
those
17:21
were
17:21
one
17:21
day
17:21
jobs.
17:22
I
17:22
got
17:22
in
17:23
there.
17:23
The
17:23
larger
17:24
home,
17:24
he
17:24
also
17:24
had
17:24
an
17:25
extensive
17:25
coin
17:26
collection.
17:26
So
17:26
we
17:26
were
17:27
there
17:27
from
17:27
nine
17:27
to
17:27
six.
17:28
But
17:28
I
17:28
captured
17:29
everything
17:29
and
17:29
now
17:30
I
17:30
have
17:30
all
17:30
the
17:30
data
17:31
here.
17:31
I
17:31
can
17:31
assemble
17:32
the
17:32
second
17:32
home
17:33
much
17:34
simpler.
17:35
Not
17:35
a
17:35
no
17:35
huge
17:36
collection.
17:37
I
17:37
was
17:37
done
17:37
by
17:38
from
17:38
nine
17:38
to
17:38
say
17:39
3:34
17:39
o'clock.
17:40
Both
17:40
are
17:40
back
17:41
here
17:41
now
17:41
another
17:42
two
17:42
weeks
17:42
and
17:42
I
17:42
have
17:42
it
17:43
all
17:43
assembled
17:43
and
17:43
delivered
17:44
back
17:44
to
17:44
them.
17:45
But
17:45
there
17:45
is,
17:46
but
17:46
there's
17:46
also.
17:46
So
17:47
that's
17:47
me
17:47
the
17:47
great
17:48
way
17:48
to
17:48
do
17:48
it.
17:49
I
17:49
know
17:49
not
17:49
everybody
17:50
wants
17:50
my
17:50
service
17:50
or
17:51
needs.
17:51
My
17:51
service
17:52
people
17:52
are
17:53
more
17:53
modest
17:53
needs.
17:54
There
17:54
is
17:55
actually
17:55
a
17:55
very
17:56
simple
17:56
way
17:57
to
17:57
do
17:57
it.
17:57
I'll
17:57
just
17:58
run
17:58
through
17:58
the
17:58
steps.
17:59
Yeah,
17:59
it's
18:00
really
18:00
the
18:01
first
18:01
thing
18:01
is
18:02
we
18:02
all
18:02
got
18:02
the
18:02
camera
18:03
phone
18:03
that's
18:03
got
18:03
video
18:04
that
18:04
works
18:05
great.
18:05
Yep.
18:06
Use
18:06
that
18:06
to
18:06
make
18:07
a
18:07
video
18:07
of
18:07
every
18:08
room
18:08
in
18:08
the
18:08
house.
18:09
However,
18:09
there's
18:10
a
18:10
couple
18:10
key
18:10
points
18:11
to
18:11
make.
18:11
The
18:12
first
18:12
is
18:13
move
18:13
slowly,
18:13
walk
18:14
slowly,
18:15
don't
18:15
move
18:15
fast
18:16
because
18:16
the
18:16
image
18:16
quality
18:17
goes
18:17
down
18:17
and
18:17
makes
18:18
it
18:18
harder
18:18
to
18:18
see
18:18
what
18:18
you're
18:19
doing.
18:19
So
18:20
you
18:20
start
18:20
in
18:20
the
18:21
middle
18:21
of
18:21
the
18:21
room,
18:22
and
18:22
as
18:22
a
18:22
video,
18:23
you
18:23
go
18:23
360
18:24
degrees.
18:25
Just
18:25
pan
18:25
and
18:25
get
18:25
the
18:25
whole
18:26
thing.
18:26
Get
18:26
the
18:26
ceilings,
18:27
get
18:27
the
18:27
floors,
18:28
those
18:28
heat
18:28
registers
18:29
matter.
18:30
Outlets
18:30
and
18:30
light
18:30
switches
18:31
matter.
18:31
Get
18:32
all
18:32
of
18:32
it.
18:32
Then
18:33
you
18:33
walk
18:33
through
18:33
the
18:33
room,
18:34
start
18:34
left
18:34
to
18:34
right.
18:35
Just
18:35
be
18:35
consistent.
18:36
And
18:37
video
18:37
up
18:38
close.
18:38
Everything,
18:39
it
18:39
doesn't
18:40
matter
18:40
what
18:40
it
18:40
is.
18:40
Lamps
18:41
with
18:41
this,
18:41
that
18:41
and
18:41
the
18:41
other,
18:42
open
18:43
drawers,
18:43
open
18:44
cabinet
18:44
doors,
18:45
open
18:45
closets,
18:46
capture
18:47
all
18:47
of
18:47
that
18:47
stuff.
18:48
The
18:49
goal
18:49
is
18:50
to
18:50
capture
18:50
enough
18:50
to
18:51
help
18:51
you
18:51
remember
18:52
everything.
18:52
And
18:53
the
18:53
visuals
18:53
will
18:53
be
18:54
our
18:54
key
18:54
to
18:54
that.
18:55
But
18:55
the
18:55
other
18:56
key
18:56
is,
18:56
as
18:56
you're
18:57
doing
18:57
that
18:57
video,
18:58
talk,
18:59
narrate,
19:00
tell
19:00
us
19:00
about
19:00
the
19:00
stuff
19:01
you're
19:01
talking
19:01
about.
19:02
Anything
19:02
that
19:02
you
19:03
think
19:03
is
19:03
important,
19:03
the
19:04
material
19:04
it's
19:04
made
19:04
out
19:05
of,
19:05
when
19:05
you
19:05
bought
19:05
it,
19:05
if
19:06
you
19:06
have
19:06
an
19:06
idea
19:06
of
19:06
the
19:07
value,
19:07
just
19:08
keep
19:08
talking
19:09
through
19:09
it.
19:09
It
19:10
will
19:10
help
19:10
you
19:11
so
19:11
greatly.
19:12
The
19:12
other
19:12
thing
19:13
that's
19:13
also
19:13
important
19:14
is
19:14
don't
19:15
do
19:15
one
19:15
big
19:15
video
19:16
of
19:16
the
19:16
house.
19:16
Break
19:17
it
19:17
up
19:17
by
19:17
each
19:18
room,
19:18
because
19:18
if
19:19
you
19:19
do
19:19
need
19:19
to
19:19
use
19:20
it
19:20
later,
19:20
it's
19:20
going
19:20
to
19:20
be
19:21
much
19:21
more
19:21
efficient
19:21
to
19:22
just
19:22
look
19:22
one
19:22
room
19:23
at
19:23
a
19:23
time
19:23
rather
19:24
than
19:24
fast
19:24
forwarding
19:25
to
19:25
the
19:25
last
19:26
room
19:26
that
19:26
you
19:26
did
19:27
to
19:27
get
19:27
there.
19:28
You
19:28
know
19:28
what
19:28
I'm
19:28
talking
19:29
about?
19:29
Because
19:29
you
19:29
play
19:29
with
19:30
audio
19:30
and
19:30
video
19:30
all
19:30
the
19:31
time.
19:31
So,
19:31
yeah,
19:32
62
19:33
minutes
19:33
in,
19:33
I
19:33
think.
19:34
Yeah.
19:35
So
19:36
those
19:36
things
19:36
will
19:36
get
19:37
you
19:37
a
19:37
long
19:38
way.
19:38
And
19:39
especially
19:39
like
19:39
your
19:40
friends
19:40
with
19:40
the
19:40
cabin
19:40
up
19:40
on
19:41
Mount
19:41
Hood,
19:41
that
19:42
would
19:42
have
19:42
been
19:42
huge.
19:42
I
19:43
know
19:43
they
19:43
were
19:43
limited,
19:44
but
19:44
that
19:44
would
19:44
have
19:44
been
19:45
huge
19:45
for
19:45
documenting
19:46
and
19:46
remembering
19:46
everything
19:47
they
19:47
had.
19:48
The
19:48
last
19:48
thing
19:48
is
19:49
don't
19:49
keep
19:49
it
19:49
on
19:49
the
19:50
phone.
19:50
Almost
19:51
every
19:51
phone
19:51
has
19:52
some
19:52
sort
19:52
of
19:52
icloud
19:53
cloud
19:53
storage.
19:54
Put
19:54
it
19:54
up
19:54
in
19:55
the
19:55
cloud
19:55
and
19:56
keep
19:56
it
19:56
up
19:56
there.
19:57
It
19:57
will,
19:58
it.
19:58
You
19:58
will.
19:59
So
19:59
thank
19:59
yourself
19:59
for
20:00
doing
20:00
that.
20:01
Nice.
20:01
My
20:01
rules
20:02
on
20:02
any
20:02
data
20:03
like
20:03
that
20:03
is
20:03
if
20:03
you
20:03
don't
20:04
have
20:04
it
20:04
in
20:04
three
20:04
separate
20:05
places,
20:05
you
20:05
don't
20:05
have
20:05
it
20:05
enough
20:06
places.
20:07
Exactly.
20:07
And
20:07
one
20:07
of
20:07
them
20:08
being
20:08
the
20:08
cloud.
20:08
At
20:09
least,
20:09
at
20:10
least
20:10
I
20:11
personally,
20:12
I
20:12
have.
20:12
There
20:12
is
20:13
a
20:13
backup
20:13
here.
20:14
Yep,
20:14
there
20:14
is.
20:14
That's
20:15
easy
20:15
access.
20:16
There's
20:16
the
20:16
cloud
20:17
and
20:17
there's
20:17
a
20:17
safe
20:18
deposit
20:18
box.
20:19
There
20:19
you
20:19
go.
20:20
Yeah,
20:20
on
20:20
my
20:20
computer.
20:21
I.
20:21
This,
20:21
I
20:21
don't
20:21
want
20:22
this
20:22
sound
20:22
like
20:22
a
20:22
commercial
20:23
because
20:23
I
20:23
pay
20:23
every
20:24
year
20:24
for
20:24
it,
20:25
but
20:25
I
20:25
still
20:26
use
20:26
that
20:26
old
20:26
program
20:27
Carbonite
20:27
to
20:27
back
20:28
stuff
20:28
up
20:28
with.
20:29
Just
20:29
so
20:29
every
20:30
computer
20:30
has
20:30
got
20:30
a
20:31
backup
20:31
of
20:31
my
20:32
laptop
20:32
fries.
20:33
I
20:33
can
20:33
go
20:33
down,
20:34
pick
20:34
up
20:34
another
20:34
one
20:35
and
20:35
just
20:35
go
20:36
restore,
20:37
get
20:37
it
20:37
back
20:38
there.
20:38
And
20:38
so
20:39
that's
20:39
my,
20:39
my
20:39
fourth
20:40
backup
20:40
on
20:40
Things.
20:41
But,
20:41
yep,
20:41
you
20:41
all
20:42
recommend
20:42
when
20:42
you're
20:43
walking
20:43
through
20:43
to,
20:43
like,
20:44
turn
20:44
the
20:44
lights
20:44
up
20:45
and
20:45
we
20:46
change
20:46
that
20:46
phone
20:47
to
20:47
make
20:47
sure
20:47
that
20:47
you're
20:47
getting,
20:48
like,
20:48
the
20:48
best
20:48
4k
20:49
or
20:49
whatever,
20:50
best
20:50
quality
20:51
possible.
20:51
Make
20:52
this.
20:52
Make
20:52
the
20:52
settings
20:53
on
20:53
the
20:53
phone
20:53
highest
20:54
quality.
20:54
Now
20:55
turn
20:55
on
20:55
all
20:56
the
20:56
lights
20:56
in
20:56
the
20:56
house.
20:57
But
20:58
sometimes
20:58
it's
20:59
better
20:59
to
20:59
close
21:00
the
21:00
drapes
21:01
and
21:01
blinds
21:01
rather
21:02
than
21:02
open
21:02
them.
21:03
And
21:03
the
21:03
reason
21:03
is
21:04
that
21:04
high
21:05
contrast,
21:05
that
21:06
light
21:06
streaming
21:07
in
21:07
through
21:08
is
21:08
not
21:08
your
21:08
friend
21:09
on
21:09
video.
21:10
If
21:10
you
21:10
close
21:11
that
21:11
blind,
21:11
or
21:11
if
21:12
you
21:12
have
21:12
the
21:12
opportunity
21:13
to
21:13
tilt
21:14
the
21:14
lever,
21:14
the
21:14
louvers
21:15
so
21:15
that
21:16
some
21:16
light
21:16
is
21:16
coming
21:17
in,
21:17
you
21:17
want
21:18
really
21:18
what
21:18
we
21:18
call
21:18
a
21:19
flat,
21:19
even
21:19
light,
21:20
because
21:20
you
21:20
want
21:20
to
21:21
see
21:21
as
21:21
much
21:21
as
21:21
you
21:22
can.
21:22
And
21:23
it
21:23
is
21:23
again,
21:23
move
21:24
slow.
21:24
Move
21:24
slow.
21:25
Move
21:25
slow.
21:25
Yeah.
21:26
And
21:26
you
21:26
really
21:26
want
21:26
to
21:26
do
21:27
everything
21:27
right.
21:27
You
21:27
want
21:27
to
21:27
do
21:28
the
21:28
house,
21:28
you
21:28
want
21:28
to
21:28
do
21:29
the
21:29
garage,
21:29
you
21:29
want
21:29
to
21:29
do
21:30
the
21:30
storage
21:30
shed,
21:30
the
21:31
attic,
21:31
any
21:31
place
21:32
that
21:32
you
21:32
have
21:33
belongings,
21:34
maybe
21:34
even
21:34
your
21:35
storage
21:35
unit.
21:35
Right.
21:36
Just
21:36
everything
21:36
you
21:37
can
21:37
get,
21:37
every
21:38
single.
21:38
Piece
21:38
of
21:38
it
21:38
and
21:39
the
21:39
exterior
21:39
of
21:40
your
21:40
house.
21:40
Walk
21:41
around
21:41
the
21:41
entire
21:41
outside,
21:42
get
21:42
that
21:42
patio
21:43
furniture,
21:43
the
21:44
tool
21:44
shed,
21:44
like
21:44
you
21:44
said.
21:44
Is
21:45
it
21:45
important?
21:46
Anything
21:46
like
21:46
that?
21:47
All
21:47
of
21:47
it
21:47
matters,
21:48
even
21:48
down
21:49
to
21:49
the
21:49
landscaping.
21:50
Ah,
21:51
smart.
21:51
Because.
21:51
Yeah,
21:51
all
21:52
it
21:52
takes
21:52
is
21:53
depending
21:53
on
21:53
where
21:53
you're.
21:54
Where
21:54
you're
21:54
in
21:54
the
21:55
country.
21:55
Wildfire,
21:56
tornado,
21:56
hurricane,
21:57
whatever.
21:58
It's
21:58
one
21:58
of
21:58
those
21:58
things
21:59
that
21:59
all
21:59
of
21:59
a
22:00
sudden
22:00
that
22:00
can
22:01
be
22:01
really
22:01
messed
22:01
up
22:02
and
22:02
you've
22:02
got
22:02
a
22:02
big
22:03
problem.
22:03
So
22:04
I
22:04
like
22:04
it.
22:04
So
22:05
I
22:05
got
22:05
a
22:05
question
22:05
for
22:06
you.
22:06
So
22:06
let's
22:06
say
22:06
you
22:07
just
22:07
had
22:07
a
22:08
loss,
22:08
right?
22:08
You
22:09
had
22:09
something
22:09
happen.
22:10
Fire,
22:10
flood,
22:11
tornado,
22:11
name
22:11
it.
22:11
Like,
22:11
we
22:12
were
22:12
just
22:12
talking
22:12
about,
22:13
what
22:13
do
22:13
you
22:13
do
22:13
afterwards
22:14
to
22:14
try
22:14
to
22:14
go,
22:15
okay,
22:15
I
22:16
didn't
22:16
document
22:16
this
22:17
correctly.
22:17
Is
22:17
there
22:18
any
22:18
advice
22:18
for
22:18
people
22:19
that
22:19
are
22:19
maybe
22:19
trying
22:19
to
22:19
save
22:20
it
22:20
after
22:20
it's
22:20
too
22:20
late?
22:21
There
22:21
is.
22:22
First,
22:22
it's
22:23
going
22:23
to
22:23
be
22:23
hard
22:24
and
22:24
it's
22:24
going
22:24
to
22:24
be
22:25
traumatic
22:25
because
22:26
a
22:26
lot
22:26
my
22:27
major
22:27
loss
22:27
is.
22:28
And
22:28
losing
22:28
your
22:28
home
22:29
really
22:29
is
22:29
one
22:29
of
22:29
the
22:29
most
22:29
traumatic
22:30
experiences
22:31
we
22:31
can
22:31
have
22:31
because
22:31
it's
22:31
very
22:32
debasing
22:32
and
22:32
destabilizing.
22:34
So
22:34
you're
22:34
already
22:35
upset.
22:35
And
22:35
then
22:35
your
22:35
insurer
22:36
hits
22:36
you
22:37
right
22:37
away
22:37
with,
22:37
the
22:37
first
22:38
thing
22:38
is,
22:39
I
22:39
need
22:39
a
22:39
list
22:39
of
22:39
everything
22:40
you
22:40
lost.
22:41
And
22:41
you're
22:41
sitting
22:41
there
22:42
going,
22:42
I
22:42
can't
22:43
remember
22:43
that.
22:43
You're
22:43
already
22:44
overwhelmed,
22:44
Right.
22:44
You're
22:45
emotionally
22:45
overwhelmed.
22:46
And
22:46
now
22:46
you
22:46
have
22:46
to
22:47
dig
22:47
deep
22:47
into
22:47
the
22:47
memory
22:48
banks.
22:48
Exactly.
22:49
That
22:50
phone
22:50
that
22:50
took
22:50
all
22:51
those
22:51
pictures,
22:51
you
22:52
want
22:52
to
22:52
start
22:52
looking
22:52
at
22:53
those
22:53
and
22:53
go
22:54
back.
22:54
Anything
22:55
that
22:55
has
22:55
the
22:55
house
22:56
or
22:56
what
22:56
you
22:56
lost
22:57
in
22:57
it,
22:57
save
22:58
it
22:58
Then
22:59
you
22:59
go
22:59
to
22:59
your
22:59
friends
23:00
and
23:00
say,
23:01
do
23:01
the
23:01
same
23:02
thing.
23:02
Look
23:03
at
23:03
all
23:03
of
23:03
that
23:03
stuff.
23:04
Tell
23:04
me
23:04
what
23:05
you
23:05
have
23:05
shared.
23:05
The
23:05
photos
23:06
with
23:06
me
23:06
that
23:06
you
23:06
took
23:06
at
23:07
the
23:07
parties
23:07
at
23:07
our
23:07
house.
23:08
Look
23:08
at
23:09
your
23:09
social
23:09
media.
23:10
If
23:10
you
23:10
share
23:11
photos
23:11
about
23:11
stuff
23:12
on
23:12
your
23:12
house,
23:12
you
23:12
got
23:13
photos
23:13
up
23:13
there.
23:14
The
23:14
next
23:15
step
23:15
after
23:15
that
23:16
is
23:17
one
23:17
of
23:17
the
23:17
harder
23:18
ones,
23:18
which
23:18
is
23:19
you
23:19
go
23:19
to
23:19
the
23:19
house
23:20
and
23:20
you're
23:20
literally
23:21
sifting
23:22
through
23:22
ashes.
23:22
My
23:22
friends
23:23
and
23:23
Ben
23:23
told
23:23
me
23:24
that
23:24
story
23:24
and
23:24
how
23:24
hard
23:25
it
23:25
was.
23:25
You'd
23:26
seriously.
23:26
And
23:27
I
23:27
saw
23:27
the
23:27
house
23:27
while
23:27
it
23:28
was
23:28
still
23:28
in
23:29
the
23:29
state
23:29
of
23:29
ashes.
23:30
Yeah.
23:30
You're
23:31
literally
23:31
going
23:31
through
23:32
ashes
23:32
to
23:32
go,
23:32
is,
23:33
this
23:33
was
23:33
a
23:33
pot
23:34
of
23:34
some
23:34
kind,
23:34
but
23:34
it's
23:35
melted.
23:35
I'm
23:35
not
23:35
sure
23:36
what
23:36
it
23:36
was.
23:37
Now
23:37
it's
23:37
forensics.
23:37
Right,
23:38
exactly.
23:39
And
23:39
the
23:39
other
23:40
thing
23:40
is
23:41
hire
23:41
a
23:42
public
23:42
adjuster
23:43
if
23:43
you
23:43
don't
23:43
want
23:43
to
23:43
know
23:43
what
23:43
public
23:44
adjuster
23:44
is.
23:45
They
23:45
are
23:46
an
23:46
adjuster
23:47
who
23:47
probably
23:48
used
23:48
to
23:48
work
23:48
for
23:48
an
23:48
insurance
23:49
company,
23:49
but
23:49
now
23:49
they're
23:50
freelance.
23:51
They
23:51
work
23:51
for
23:51
you.
23:52
They
23:52
understand
23:53
the
23:53
process
23:54
of
23:54
working
23:54
with
23:54
insurers
23:55
and
23:55
they
23:55
can
23:55
help
23:56
you
23:56
catalog
23:56
all
23:57
this
23:57
stuff.
23:57
And
23:57
they'll
23:58
walk
23:58
you
23:58
through
23:58
a
23:58
visualization
23:59
process.
24:00
It's
24:00
tedious
24:01
and
24:01
hard.
24:02
And
24:02
the
24:03
way
24:03
it
24:03
works
24:03
is
24:03
you'll
24:04
sit
24:04
there
24:04
and
24:04
you're
24:04
standing
24:05
at
24:05
your
24:05
front
24:05
door.
24:06
Okay,
24:06
what
24:06
do
24:06
you
24:06
see
24:07
on
24:07
the
24:07
entryway?
24:08
There
24:08
was
24:08
this
24:08
table
24:09
and
24:09
a
24:09
lamp.
24:09
Great.
24:10
The
24:10
lamp
24:10
is
24:10
what
24:11
you
24:11
describe
24:11
it.
24:11
Document
24:12
it.
24:12
The
24:13
table
24:13
drawers
24:14
in
24:14
the
24:14
table.
24:14
How
24:14
many
24:15
drawers,
24:15
what
24:15
was
24:16
in
24:16
the
24:16
drawers.
24:16
Now
24:17
you
24:17
have
24:17
to
24:18
do
24:18
that
24:18
for
24:18
every
24:19
single
24:19
room,
24:20
every
24:20
single
24:21
item.
24:21
And
24:22
yeah,
24:22
it
24:22
takes
24:23
a
24:23
long
24:23
time.
24:23
You
24:24
can't
24:24
do
24:24
it
24:24
all
24:24
in
24:25
one
24:25
day
24:25
because
24:25
emotionally
24:26
you
24:26
just
24:26
get
24:26
tired.
24:27
Plus,
24:27
it's
24:27
physically
24:28
tired.
24:28
It's
24:29
not
24:29
uncommon
24:30
for
24:31
a
24:31
claim.
24:32
It
24:32
takes
24:32
for
24:33
it
24:33
to
24:33
take
24:33
up
24:33
to
24:33
a
24:34
year.
24:34
Excuse
24:35
me.
24:35
To
24:35
get
24:36
a
24:36
claim
24:36
filed
24:37
when
24:37
you
24:37
don't
24:37
have
24:37
an
24:37
inventory.
24:38
Just
24:38
trying
24:38
to
24:39
remember
24:39
it
24:39
all.
24:40
Wow,
24:41
that's
24:41
incredible.
24:42
And
24:42
I
24:42
can't
24:42
say
24:43
that
24:43
enough
24:43
that
24:43
a
24:43
public
24:44
adjuster
24:45
is
24:45
the
24:45
way
24:45
to
24:45
go,
24:45
because
24:46
you
24:46
now
24:46
have
24:46
an
24:46
advocate
24:47
to
24:47
sit
24:47
there
24:47
and
24:47
go,
24:48
no,
24:48
no,
24:48
no,
24:49
that's
24:49
not
24:49
how
24:49
it
24:49
works.
24:50
And
24:50
I
24:50
don't
24:50
want
24:50
to
24:50
bash
24:51
on
24:51
the
24:51
companies
24:51
out
24:51
there
24:52
that
24:52
are
24:52
providing
24:52
insurance,
24:53
but
24:53
they're
24:54
a
24:54
business
24:54
as
24:54
well,
24:55
and
24:55
they're
24:55
maybe
24:55
not
24:56
looking
24:56
out
24:56
at
24:56
your
24:56
best
24:57
interest.
24:57
They're
24:57
looking
24:58
out
24:58
for
24:59
their
24:59
best
24:59
interests,
25:00
for
25:00
the
25:00
company.
25:01
So
25:01
you
25:01
need
25:02
to
25:02
have
25:02
somebody
25:02
on
25:02
your
25:03
side.
25:03
You
25:03
do.
25:04
And
25:04
the
25:04
public
25:04
adjuster
25:05
is
25:05
that
25:05
person.
25:06
The
25:06
other
25:06
one
25:06
I'd
25:07
suggest
25:07
is
25:08
find
25:08
a
25:08
lawyer,
25:09
because
25:09
you're
25:09
going
25:09
to
25:09
need
25:10
them.
25:10
You
25:10
may
25:10
not
25:10
need
25:10
them
25:11
right
25:11
away,
25:11
but
25:11
find,
25:12
talk
25:12
to
25:12
friends,
25:13
find
25:13
a
25:13
good
25:13
attorney
25:14
who
25:14
knows
25:14
insurance
25:15
law
25:15
and
25:16
understands
25:16
that
25:17
and
25:17
have
25:17
them
25:17
in
25:17
your
25:18
pocket
25:18
because
25:18
you're
25:19
going
25:19
to
25:19
need
25:19
them.
25:20
The
25:20
insurers,
25:21
like
25:22
you
25:22
say,
25:22
they're
25:22
a
25:22
business
25:23
and
25:23
they're
25:23
trying
25:23
to,
25:24
their
25:24
goal
25:24
is
25:24
to
25:24
reduce
25:25
how
25:25
much
25:25
they
25:26
pay
25:26
out
25:26
to
25:26
you.
25:27
And
25:27
when
25:27
you
25:27
think
25:28
about
25:28
it,
25:28
an
25:29
insurance
25:29
policy
25:30
is
25:30
simply
25:31
a
25:31
contract.
25:32
It's
25:32
a
25:32
business
25:32
contract
25:33
that
25:34
defines
25:34
the
25:34
terms,
25:35
except
25:35
that
25:35
they
25:36
define
25:36
the
25:36
terms,
25:36
you
25:37
don't.
25:37
And
25:38
a
25:38
claim
25:39
is
25:39
a
25:39
business
25:39
negotiation.
25:41
So
25:41
that's
25:41
the
25:41
way
25:41
they
25:42
approach
25:42
it.
25:42
And
25:43
their
25:43
goal
25:43
is
25:43
to
25:43
minimize
25:44
what
25:44
they
25:45
pay
25:45
out
25:45
to
25:45
you.
25:46
And
25:46
your
25:46
goal
25:46
is
25:46
to
25:47
maximize
25:47
what
25:47
they
25:48
pay
25:48
out
25:48
to
25:48
you.
25:48
So
25:48
you
25:49
see
25:49
the
25:49
conflict
25:49
that
25:50
happens
25:50
and
25:50
that's
25:51
why
25:51
having
25:52
the
25:52
documentation
25:53
puts
25:53
you
25:53
in
25:54
so
25:54
much
25:54
of
25:54
a
25:55
stronger
25:55
position.
25:56
Without
25:56
it,
25:56
you're
25:57
really
25:57
weak.
25:57
My
25:57
friends
25:58
in
25:58
bend,
25:58
they
25:59
got
25:59
42
25:59
cents
26:00
on
26:00
the
26:00
dollar
26:00
for
26:00
their
26:01
claim
26:01
and
26:02
now
26:02
try
26:02
and
26:03
figure
26:03
that,
26:03
figure
26:03
how
26:04
you're
26:04
going
26:04
to
26:04
recover
26:05
to
26:05
your
26:05
lifestyle.
26:06
You
26:06
had
26:06
with
26:07
that.
26:07
So
26:08
these,
26:08
this
26:09
is
26:09
why
26:09
it's
26:09
so
26:09
important.
26:10
And
26:10
unfortunately
26:11
most
26:11
people
26:11
don't
26:12
realize
26:12
and
26:13
learn
26:13
this
26:14
until
26:14
after
26:14
the
26:15
fact.
26:15
Yeah.
27:39
And
27:40
you
27:40
think
27:40
about
27:40
it
27:40
a
27:41
great
27:41
example.
27:41
So
27:42
your
27:42
house,
27:43
you
27:43
had
27:43
a
27:43
10
27:44
year
27:44
old
27:44
heating
27:44
and
27:45
cooling
27:45
system
27:45
in
27:46
that
27:46
thing
27:46
that
27:47
was
27:47
working
27:47
beautiful
27:48
before.
27:48
You
27:48
had
27:48
that
27:48
total
27:49
loss.
27:50
That
27:50
was
27:50
a
27:50
$5,000
27:52
unit
27:52
10
27:53
years
27:53
ago.
27:54
And
27:54
now
27:54
because
27:55
building
27:55
code
27:55
you're
27:55
going
27:55
to
27:56
spend
27:56
22,000.
27:57
These
27:57
are
27:58
things
27:58
that
27:58
you
27:58
need
27:58
to
27:58
make
27:58
sure
27:59
you've
27:59
got
27:59
documented.
28:00
So
28:00
at
28:00
least
28:00
you
28:00
could
28:00
have
28:01
the
28:01
argument
28:01
going,
28:02
this
28:02
is
28:02
the
28:03
only
28:03
thing
28:03
I
28:03
can,
28:03
could
28:04
put
28:04
in
28:04
because
28:04
that's
28:05
what
28:05
code
28:05
is.
28:06
And
28:06
these
28:06
are
28:06
all
28:07
the
28:07
little
28:07
things
28:07
where
28:07
that
28:07
adjuster
28:08
is
28:08
going
28:08
to
28:08
help
28:08
you
28:08
through
28:09
that.
28:09
Exactly,
28:10
exactly.
28:11
And
28:11
it's
28:12
key
28:12
because
28:12
the
28:13
adjuster
28:13
is
28:14
used
28:14
to
28:14
doing
28:14
this.
28:15
They're
28:15
level
28:15
headed.
28:16
You're
28:16
upset,
28:17
you're
28:17
not.
28:18
It's
28:18
not
28:18
just
28:18
that
28:18
you
28:19
lost
28:19
your
28:19
home,
28:19
you're
28:20
also
28:20
angry
28:21
because
28:21
of
28:21
what
28:21
the
28:21
insurance
28:22
company
28:22
is
28:22
coming
28:22
back
28:23
with.
28:23
The
28:23
two
28:24
biggest
28:24
complaints
28:24
about
28:25
insurers.
28:25
First,
28:26
the
28:27
biggest
28:27
complaint
28:28
is
28:28
the
28:28
claims
28:28
process.
28:29
When
28:29
you
28:29
break
28:29
it
28:30
down,
28:31
the
28:32
details
28:32
of
28:32
that
28:33
is
28:34
people
28:34
are
28:34
upset
28:35
about
28:35
the
28:35
low
28:36
values
28:36
they
28:37
offer
28:37
and
28:38
the
28:38
built
28:38
in
28:39
delays
28:39
or
28:40
ensure
28:40
cause
28:41
delays
28:41
in
28:41
the
28:42
process.
28:42
My
28:42
friends
28:42
and
28:43
Ben
28:43
went
28:44
it
28:44
was
28:44
coming
28:45
up
28:45
on
28:45
two
28:45
years
28:46
when
28:46
I
28:46
believe
28:46
there's
28:47
a
28:47
law
28:47
that
28:48
says
28:48
the
28:48
insurance
28:49
claims
28:50
should
28:50
be
28:50
settled
28:50
within
28:51
two
28:51
years.
28:52
If
28:52
the
28:52
insurer
28:52
can
28:53
push
28:53
past
28:53
that
28:54
then
28:54
they
28:54
can
28:54
start
28:55
claiming
28:55
you're
28:55
not
28:55
negotiating
28:56
in
28:56
good
28:56
faith
28:57
and
28:57
they
28:57
can
28:57
cut
28:57
you
28:57
off
28:58
and
28:58
they
28:58
literally
28:59
had
29:00
the
29:00
insurer
29:01
stopped
29:01
talking
29:01
to
29:01
them
29:02
about
29:02
three
29:02
months
29:02
before
29:03
that
29:03
date.
29:03
This
29:04
is
29:04
where
29:04
the
29:04
lawyer
29:04
came
29:05
in.
29:05
They
29:05
had
29:05
to
29:06
sue
29:06
to
29:06
extend
29:07
so
29:07
they
29:07
could
29:08
finish
29:08
their
29:08
claim.
29:09
And
29:09
it
29:09
wasn't
29:09
their
29:09
fault.
29:10
No,
29:10
of
29:10
course
29:10
not.
29:11
And
29:11
so,
29:11
and
29:12
then
29:12
one
29:12
other
29:12
piece
29:12
I
29:12
want,
29:13
I
29:13
just
29:13
want
29:13
to
29:13
give
29:13
as
29:13
a
29:14
reminder
29:14
for
29:14
people
29:15
out
29:15
there
29:15
and
29:16
I
29:16
want
29:16
everybody
29:17
to
29:17
answer
29:17
this
29:17
in
29:17
their
29:18
own
29:18
head
29:18
and
29:18
our
29:18
wonderful
29:19
audience
29:19
out
29:19
there.
29:19
When
29:20
was
29:20
the
29:20
last
29:20
time
29:20
that
29:20
you
29:21
went
29:21
through
29:21
your
29:21
renters
29:22
or
29:22
homeowners
29:22
policy
29:23
and
29:23
read
29:24
that
29:24
from
29:24
the
29:24
first
29:25
word
29:25
to
29:25
the
29:25
last
29:25
paragraph.
29:26
When
29:26
was
29:27
the
29:27
last
29:27
time
29:27
you
29:27
went
29:27
through
29:28
and
29:28
understood
29:29
the
29:29
insurance
29:29
that
29:29
you've
29:30
purchased?
29:30
Exactly.
29:31
Read
29:32
your
29:32
policies
29:32
and
29:33
something
29:33
to
29:33
note,
29:34
these
29:34
days
29:35
most
29:35
insurers,
29:36
what
29:36
they
29:36
deliver
29:36
to
29:37
you
29:37
via
29:37
email
29:37
or
29:38
whatever
29:38
is
29:38
a
29:39
summary
29:39
of
29:39
the
29:39
policy,
29:40
not
29:40
the
29:40
policy
29:41
that's
29:41
in
29:42
your
29:42
account
29:42
where
29:42
you
29:43
have
29:43
to
29:43
log
29:43
in
29:43
and
29:44
download
29:44
it
29:45
and
29:45
read
29:45
the
29:45
fine
29:46
print,
29:46
read
29:46
about
29:47
the
29:47
process.
29:48
Honestly,
29:48
your
29:49
insurance
29:49
broker
29:50
probably
29:50
does
29:51
not
29:51
know
29:52
the
29:52
claims
29:53
process
29:53
because
29:53
they're
29:54
not
29:54
involved
29:54
in
29:54
that.
29:55
That's
29:55
not
29:55
what
29:55
they
29:56
do.
29:56
They
29:56
hand
29:57
you
29:57
off
29:57
to
29:58
the
29:58
claims
29:58
adjuster,
29:59
which
29:59
is
29:59
a
29:59
totally
30:00
different
30:00
person
30:00
who
30:01
has
30:01
operating
30:01
under
30:02
different
30:02
rules.
30:03
They're
30:03
not
30:03
trying
30:03
to
30:03
sell
30:03
you,
30:04
they're
30:04
trying
30:04
to
30:04
pay
30:04
you
30:04
as
30:05
little
30:05
as
30:05
possible.
30:06
It's
30:06
like
30:07
going
30:07
into
30:07
a
30:07
car
30:08
dealership
30:08
and
30:08
asking
30:09
the
30:09
salesperson
30:09
to
30:10
go
30:10
do
30:10
the
30:10
service
30:10
on
30:11
your
30:11
vehicle.
30:11
They
30:12
got
30:12
probably
30:12
no
30:13
idea
30:13
how
30:13
that
30:13
process
30:14
works.
30:14
Even
30:15
though
30:15
it's
30:15
in
30:15
the
30:15
same
30:15
building.
30:16
Exactly,
30:17
exactly.
30:18
And
30:18
the
30:18
other
30:18
thing
30:18
too
30:19
is,
30:19
is
30:19
that
30:19
I
30:19
think
30:20
that
30:20
understanding
30:21
that
30:21
is
30:21
really
30:22
good
30:22
because
30:23
first
30:23
off,
30:23
you're
30:24
right.
30:24
If
30:24
somebody
30:25
sits
30:25
there
30:25
and
30:26
oh
30:26
yeah,
30:26
I
30:26
read
30:26
it
30:26
was
30:27
three
30:27
pages
30:28
wrong
30:28
document.
30:29
Yes.
30:29
Going
30:29
to
30:29
be
30:30
like,
30:30
it's
30:30
going
30:30
to
30:30
be
30:30
like
30:31
a
30:31
book.
30:31
It's
30:31
going
30:31
to
30:32
be
30:32
like
30:32
a
30:32
countertop
30:32
book
30:33
when
30:33
you
30:33
go
30:33
through
30:33
reading
30:33
that
30:34
thing.
30:34
Exactly.
30:35
If
30:36
you're
30:36
reading
30:37
a
30:37
document
30:38
at
30:38
night
30:38
because
30:39
you
30:39
have
30:39
insomnia
30:39
and
30:40
it's
30:40
putting
30:40
you
30:40
to
30:41
sleep,
30:41
that's
30:41
probably
30:42
the
30:42
right
30:42
document.
30:43
No,
30:43
but
30:44
seriously,
30:44
it
30:44
is.
30:45
You
30:45
got
30:45
to
30:45
go
30:45
online
30:46
and
30:46
you
30:46
got
30:46
to
30:46
read
30:46
it
30:47
and
30:47
the
30:47
details
30:47
of
30:48
that
30:48
policy
30:48
matter
30:49
so
30:49
greatly.
30:50
You
30:50
will
30:50
have
30:50
a
30:50
much
30:50
better
30:51
understanding
30:51
of
30:51
what
30:51
you're
30:52
facing
30:52
and
30:52
that
30:53
may
30:53
motivate
30:53
you
30:53
to
30:53
get
30:54
the
30:54
inventory
30:55
done.
30:55
Yeah,
30:55
that
30:56
is
30:56
so
30:56
smart.
30:56
That
30:56
is
30:57
so
30:57
smart.
30:57
And
30:57
this
30:57
is
30:57
so
30:58
important.
30:58
The
30:58
same
30:58
rules
30:59
apply
30:59
for
30:59
somebody
30:59
that's
31:00
maybe
31:00
even
31:00
in
31:00
an
31:01
apartment
31:01
or
31:01
something
31:01
that
31:02
they've
31:02
just
31:02
got
31:03
renters
31:03
insurance.
31:04
Exactly.
31:05
While
31:05
you're
31:06
not
31:06
liable
31:06
or
31:07
responsible
31:07
for
31:08
the
31:08
walls,
31:09
everything
31:09
in
31:10
front
31:10
and
31:10
even
31:10
the
31:10
built
31:10
in
31:11
fixtures
31:11
but
31:11
your
31:11
stuff,
31:12
and
31:13
this
31:13
is
31:13
very
31:13
Much
31:14
the
31:14
case
31:14
where
31:15
a
31:15
renter,
31:16
unless
31:16
they're
31:16
a
31:16
high
31:17
end
31:17
renter,
31:17
they
31:18
probably
31:18
don't
31:19
need
31:19
me.
31:20
Those
31:20
steps
31:20
I
31:20
gave
31:21
you
31:21
to
31:21
do
31:22
yourself
31:22
are
31:23
going
31:23
to
31:23
go
31:23
a
31:24
long
31:24
way
31:25
to
31:25
help
31:25
you
31:25
out
31:25
should
31:26
that
31:26
happen.
31:26
And
31:27
you
31:27
can
31:27
do
31:27
that
31:28
within
31:28
two
31:28
or
31:29
three
31:29
hours.
31:29
Especially
31:29
if
31:30
you're
31:30
a
31:30
renter
31:30
and
31:30
it's
31:30
a
31:30
smaller
31:31
home,
31:31
it's
31:31
not
31:31
going
31:31
to
31:31
take
31:32
you
31:32
very
31:32
long
31:32
to
31:32
do
31:32
that.
31:33
Documentation
31:34
having
31:34
that
31:35
is
31:35
so
31:36
critical
31:36
for.
31:36
Your
31:36
renter,
31:37
it's
31:37
got
31:37
to
31:37
be
31:38
interesting
31:38
for
31:38
you.
31:38
And
31:38
you
31:39
talked
31:39
about
31:39
it
31:39
with
31:39
your
31:40
trip
31:40
out
31:40
Midwest
31:41
with
31:41
the,
31:41
with
31:41
the
31:42
coin
31:42
collection,
31:42
but
31:43
really
31:43
detailing
31:44
that
31:44
stuff
31:44
out
31:45
so
31:45
an
31:45
expert
31:45
can
31:46
go
31:46
back
31:46
if
31:46
there
31:46
is
31:47
a
31:47
claim
31:47
process
31:48
of
31:48
knowing
31:48
what
31:49
it
31:49
is.
31:49
Whether
31:49
it's
31:49
coins
31:50
or
31:50
stamps
31:50
or
31:51
art
31:51
or
31:51
anything
31:52
else,
31:52
the
31:52
more
31:53
data
31:53
you
31:53
have,
31:53
the
31:53
better
31:54
off
31:54
you're
31:54
going
31:54
to
31:54
be.
31:55
And
31:55
a
31:55
key
31:55
thing
31:56
for
31:56
that
31:56
was,
31:57
that
31:57
I
31:57
was
31:57
talking
31:57
with
31:58
my
31:58
client
31:58
about
31:58
was
31:59
you
31:59
need
31:59
a
32:00
separate
32:00
policy
32:00
for
32:00
this,
32:01
all
32:01
that
32:01
needs.
32:01
So
32:02
I
32:02
documented
32:02
it
32:03
so
32:03
he
32:03
has
32:03
proof,
32:03
so
32:03
there's
32:04
something
32:04
there.
32:05
But
32:06
you
32:06
really
32:06
need
32:07
that
32:07
separate
32:07
policy
32:08
to
32:08
get
32:08
the
32:08
full
32:08
value
32:09
if
32:09
you
32:09
lose
32:09
it.
32:10
But
32:10
the
32:10
wall,
32:10
the
32:10
work
32:11
that
32:11
we
32:11
did
32:12
is
32:12
you
32:12
can
32:12
zoom
32:13
in
32:13
on
32:13
any
32:13
of
32:13
these.
32:14
You
32:14
can
32:14
see
32:14
the
32:14
dates
32:14
and
32:15
the
32:15
marks
32:15
and
32:15
all
32:15
that
32:15
kind
32:15
of
32:16
stuff
32:16
so
32:16
that
32:16
it
32:17
is
32:17
documented
32:18
fully
32:18
and
32:18
it's.
32:19
And
32:19
again,
32:19
art
32:20
works
32:20
the
32:20
same
32:20
way,
32:21
antiques
32:21
the
32:21
same
32:21
way.
32:22
Find
32:22
that
32:23
label
32:23
on
32:23
the
32:23
bottom
32:24
underside
32:24
of
32:24
a
32:24
shelf
32:25
and
32:25
photograph
32:25
it.
32:25
So
32:26
the
32:26
manufacturer,
32:27
the
32:27
artist,
32:28
whatever.
32:28
Nice.
32:29
That
32:29
is
32:29
so
32:30
smart.
32:30
So,
32:31
Ken,
32:31
what
32:31
have
32:31
we
32:31
missed
32:32
here?
32:32
I
32:32
know
32:32
there's
32:32
so
32:33
many
32:33
details
32:33
to
32:34
this.
32:34
Is
32:34
there
32:34
something
32:34
that
32:34
we
32:35
haven't
32:35
talked
32:35
about
32:35
that's
32:35
super
32:36
important
32:36
here?
32:37
Oh,
32:37
boy.
32:39
I
32:40
don't
32:40
know
32:40
that
32:40
we
32:40
missed
32:41
anything,
32:41
but
32:42
what
32:42
it
32:42
is,
32:42
is
32:42
I
32:43
just
32:43
can't
32:43
emphasize
32:43
enough
32:44
how
32:44
important
32:44
it
32:45
is
32:45
to
32:45
do
32:45
this.
32:46
And
32:46
the
32:46
best
32:46
example
32:47
I
32:47
can
32:47
give
32:47
is
32:48
there's
32:48
an
32:48
adage
32:48
in
32:49
sales.
32:49
It's
32:49
easier
32:50
to
32:50
sell
32:50
a
32:50
pain
32:50
pill
32:51
than
32:51
it
32:51
is
32:51
a
32:51
vitamin.
32:52
I'm
32:52
selling
32:52
a
32:53
vitamin.
32:53
Most
32:54
people
32:54
don't
32:55
want
32:55
to
32:55
think
32:55
about
32:56
that.
32:56
You're,
32:57
you're
32:57
sitting
32:57
there.
32:57
If
32:58
it's
32:58
like,
32:58
like
32:58
most
32:58
of
32:59
us,
32:59
I
32:59
can
32:59
do
33:00
this
33:00
improvement
33:00
to
33:01
my
33:01
house.
33:01
I
33:02
can
33:02
do
33:02
this
33:03
fun
33:03
thing,
33:04
vacation
33:04
or
33:05
something,
33:05
or
33:06
I
33:06
can
33:06
do
33:06
a
33:06
home
33:06
inventory.
33:08
Where
33:08
do
33:08
you
33:08
think
33:08
they're
33:09
going
33:09
to
33:09
go?
33:09
They're
33:09
going
33:09
to
33:09
do
33:10
one
33:10
of
33:10
the
33:10
other
33:10
two
33:10
things
33:11
because
33:11
there's
33:11
much
33:11
more
33:11
immediate
33:12
benefit.
33:12
But
33:13
when
33:13
you
33:13
really
33:13
understand
33:15
the
33:15
amount
33:16
of
33:17
exposure
33:17
you
33:18
have
33:18
without
33:19
having
33:19
an
33:19
inventory,
33:20
then
33:21
you
33:21
start
33:21
coming
33:21
around
33:22
to
33:22
understanding
33:23
the
33:23
importance
33:23
of
33:24
it.
33:24
And
33:24
I
33:24
guess
33:24
that's
33:24
the
33:25
biggest
33:25
thing
33:25
is
33:26
we
33:26
know
33:26
this
33:26
isn't
33:27
fun.
33:28
There's
33:28
a
33:28
chance
33:28
you
33:28
may
33:29
never
33:29
use
33:29
this.
33:30
However,
33:31
when
33:31
you
33:31
need
33:31
it,
33:32
it
33:32
can
33:32
mean
33:33
hundreds
33:33
of
33:34
thousands
33:34
of
33:34
dollars
33:35
to
33:35
millions
33:35
of
33:36
dollars.
33:36
I
33:36
have
33:36
heard
33:37
the
33:37
anecdotes
33:37
from
33:38
other
33:38
adjusters,
33:39
public
33:40
adjusters,
33:40
et
33:40
cetera,
33:41
where
33:42
even
33:43
people
33:43
of
33:43
means
33:44
who
33:44
have.
33:45
People
33:45
who
33:46
help
33:46
them
33:46
do
33:46
these
33:46
things
33:47
are
33:47
not
33:47
adequately
33:48
covered.
33:49
And
33:49
when
33:49
they
33:49
lose
33:50
stuff,
33:50
they
33:51
lose
33:52
huge
33:52
amounts
33:52
of
33:52
money.
33:53
So
33:53
it
33:53
really
33:54
can
33:54
affect
33:54
you
33:54
greatly.
33:55
Yes.
33:55
I've
33:56
one
33:56
story
33:57
was
33:57
large
33:57
house,
33:58
lots
33:58
of
33:58
artwork.
33:59
And
33:59
we're
33:59
talking
34:00
artwork
34:00
of
34:01
million
34:01
dollars
34:01
apiece
34:02
and
34:02
more
34:03
crazily,
34:04
not
34:04
properly
34:05
insured.
34:06
Lost
34:06
it
34:06
all.
34:07
Wow.
34:08
And
34:08
did
34:08
not
34:09
get
34:09
anything
34:09
for
34:09
that
34:10
because
34:10
they
34:10
had
34:10
no
34:10
proof.
34:11
And
34:11
no
34:11
separate
34:11
policy.
34:12
That
34:12
I
34:12
keep
34:12
harping
34:13
on.
34:13
The
34:13
separate
34:13
policy.
34:14
Hey,
34:15
I
34:15
agree
34:15
with
34:16
that.
34:16
I
34:16
didn't
34:16
have.
34:16
Up
34:17
until
34:17
probably
34:17
a
34:18
year
34:18
ago,
34:18
I
34:18
didn't
34:18
have
34:18
a
34:18
separate
34:19
policy
34:19
for
34:19
my
34:20
tools.
34:20
I
34:20
didn't
34:20
have
34:20
a
34:20
separate
34:21
policy
34:21
for
34:21
my
34:21
artwork.
34:22
Yep.
34:22
And
34:23
a
34:23
little
34:23
bit
34:23
of
34:24
my
34:24
wife's
34:24
jewelry.
34:24
So
34:25
I
34:25
didn't
34:25
have
34:25
separate
34:26
policies.
34:26
I
34:26
went,
34:27
oh,
34:27
I'm
34:27
covered.
34:27
It's.
34:28
It's
34:28
a
34:28
homeowners.
34:29
That's
34:29
all
34:29
in
34:29
the
34:29
house.
34:30
And
34:30
it
34:31
really
34:31
wasn't
34:32
when
34:32
I
34:32
started
34:32
talking
34:33
to
34:33
my
34:33
agent.
34:34
And
34:34
again,
34:35
not
34:35
bashing
34:35
on
34:35
the
34:36
online
34:36
people
34:36
out
34:37
there
34:37
that
34:37
sell
34:37
stuff,
34:38
but
34:38
I
34:38
really
34:39
want
34:39
people
34:40
to
34:40
sit
34:40
down
34:40
and
34:40
talk
34:41
to
34:41
a
34:41
human
34:42
and
34:42
talk
34:42
about
34:43
what
34:43
things
34:43
are
34:43
like.
34:44
And
34:44
if
34:44
you
34:44
can
34:44
share
34:44
some
34:45
pictures
34:45
and
34:45
go,
34:46
is
34:46
this
34:46
something.
34:47
Get
34:47
a
34:48
good
34:48
idea
34:48
of
34:48
what
34:48
should
34:49
be
34:49
cut.
34:49
Yeah.
34:50
No.
34:50
And
34:50
I.
34:51
I
34:51
have
34:51
a
34:51
slight
34:52
bias
34:52
towards
34:52
independent
34:53
brokers,
34:54
and
34:54
that's
34:54
just
34:54
because
34:55
they're
34:55
not
34:55
tied
34:55
to
34:56
one
34:56
company.
34:57
It's
34:57
not
34:57
that
34:57
the
34:58
branded
34:59
brokers
34:59
are
35:00
bad
35:00
or
35:00
evil.
35:01
They're
35:01
not
35:01
that.
35:02
But
35:02
the
35:03
independent
35:03
broker
35:04
is
35:04
not
35:04
tied
35:05
to
35:05
one
35:05
company.
35:06
And
35:06
therefore
35:06
they're
35:06
going
35:07
to
35:07
have
35:07
a
35:07
little
35:07
bit
35:07
more
35:08
of
35:08
your
35:08
interests
35:08
at
35:09
heart.
35:09
And
35:09
you
35:09
can
35:10
have
35:10
these
35:10
conversations.
35:11
Kudos
35:11
to
35:11
your
35:11
broker
35:12
for
35:12
sitting
35:13
down
35:13
and
35:13
telling
35:13
you
35:14
you
35:14
need
35:14
something
35:15
separate.
35:15
It's
35:15
not
35:16
a
35:16
sales
35:16
tactic
35:17
to
35:17
get
35:17
more
35:17
money.
35:18
It's
35:18
really.
35:19
That
35:19
is
35:19
truly
35:19
trying
35:20
to
35:20
protect
35:20
you.
35:21
Homeowners
35:21
policies
35:22
are
35:22
so
35:22
relatively
35:23
cheap
35:23
compared
35:23
to
35:24
like
35:24
an
35:24
auto
35:24
policy
35:25
when
35:25
it
35:25
comes
35:25
down
35:26
to
35:26
it.
35:26
Right.
35:26
It's
35:27
yes.
35:27
You
35:28
going
35:28
out
35:28
and
35:28
saying,
35:28
wow,
35:29
I
35:29
covered
35:29
that.
35:29
I
35:30
might
35:30
have
35:30
been
35:30
paying
35:31
another
35:31
$50.
35:32
It
35:32
was
35:32
stupid.
35:33
How
35:33
much?
35:34
What?
35:34
What
35:34
having
35:35
the
35:35
proper
35:35
insurance
35:36
was
35:37
as
35:37
far
35:37
as
35:37
the
35:37
cost.
35:38
It's
35:38
not
35:38
that
35:38
big
35:39
a
35:39
deal
35:40
considering
35:40
what
35:40
the
35:41
loss
35:41
is
35:41
if
35:41
you
35:42
didn't.
35:42
Oh,
35:43
no,
35:43
exactly.
35:44
Exactly.
35:45
I
35:45
have
35:45
a
35:45
separate
35:46
policy
35:46
for
35:46
my
35:46
artwork
35:47
and
35:47
collectibles
35:48
that
35:48
I've
35:48
gathered
35:48
over
35:49
time.
35:49
And
35:50
that's
35:51
not
35:51
a
35:51
small
35:52
number.
35:52
Not
35:53
like
35:53
it's
35:54
not
35:54
even
35:54
one
35:54
piece
35:55
of
35:55
art
35:55
compared
35:55
to
35:55
some
35:56
clients
35:56
I've
35:56
had.
35:57
But
35:57
it's.
35:57
It's
35:58
a
35:58
significant
35:58
number.
35:59
But
35:59
the
36:00
annual
36:00
fee
36:00
for
36:01
that
36:01
is
36:01
actually
36:02
really
36:02
modest.
36:03
The
36:03
issue
36:04
is
36:04
you
36:04
do
36:04
have
36:05
to
36:05
get
36:05
it
36:05
appraised,
36:06
which
36:06
takes
36:06
time
36:06
and
36:07
does
36:07
cost
36:07
money.
36:08
But
36:09
if
36:09
anything
36:10
is
36:10
lost,
36:10
the
36:11
artwork
36:11
and
36:11
collectibles,
36:12
which.
36:12
They
36:13
have
36:13
value,
36:13
but
36:14
I.
36:14
They
36:14
have
36:14
sentimental
36:15
value,
36:15
because
36:15
these
36:15
are
36:16
things
36:16
from
36:16
trips
36:16
and
36:17
personal.
36:17
Very
36:18
personal
36:18
things.
36:19
Yeah.
36:19
So.
36:20
And
36:20
if
36:20
you
36:20
lose
36:20
it,
36:21
you
36:21
don't
36:21
get
36:21
the
36:21
personal
36:22
connection
36:23
back,
36:23
but
36:23
at
36:23
least
36:24
you
36:24
get
36:24
some
36:24
sort
36:24
of
36:24
compensation.
36:25
Yeah.
36:26
I've
36:26
got
36:26
one
36:26
piece
36:26
I
36:27
have
36:27
to
36:27
get
36:27
appraised
36:28
here
36:28
as
36:28
well,
36:28
that
36:29
I
36:29
went
36:29
online
36:29
and
36:29
went,
36:30
oh,
36:30
that's
36:31
worth
36:31
a
36:31
lot
36:31
more
36:31
than
36:31
I
36:32
thought
36:32
it
36:32
was.
36:33
There's.
36:33
That's
36:34
always
36:34
the
36:34
surprise
36:34
to
36:34
you.
36:35
If
36:35
you
36:35
have
36:36
appraisals,
36:36
too,
36:37
you're
36:37
supposed
36:37
to
36:37
get
36:37
them
36:38
updated
36:38
every
36:38
two
36:38
years
36:39
because
36:40
the
36:40
values
36:40
change.
36:41
Yeah.
36:41
The
36:42
updates
36:42
are
36:42
a
36:42
lot
36:42
less
36:43
money
36:43
than
36:43
the
36:43
initial
36:43
appraisal.
36:44
Yeah.
36:44
Yeah.
36:45
I've
36:45
got
36:45
something
36:45
that's
36:46
a.
36:46
It's
36:46
an
36:46
event
36:47
poster
36:47
from
36:47
the
36:48
1957
36:49
Monaco
36:49
Grand
36:50
Prix
36:50
that
36:50
I
36:50
bought
36:50
off
36:51
the
36:51
early
36:51
days
36:51
of
36:52
ebay.
36:52
That's
36:52
an
36:52
original.
36:53
Nice.
36:54
And
36:54
it's.
36:54
It's
36:55
super
36:55
cool.
36:55
But
36:55
I
36:56
was
36:56
looking
36:56
at
36:56
it
36:56
online,
36:57
going,
36:57
oh.
36:58
Oh,
36:58
wow.
36:58
That
36:58
went
36:58
up.
36:59
That
36:59
added
36:59
zeros.
37:00
Okay.
37:00
I
37:00
got
37:00
to
37:01
pay
37:01
attention
37:01
to
37:01
that.
37:02
Oh,
37:02
no,
37:02
Exactly.
37:03
Exactly.
37:04
When
37:04
I
37:04
had.
37:04
When
37:04
I
37:04
had
37:05
mine
37:05
updated
37:06
recently,
37:06
there's
37:06
one
37:07
painting,
37:07
and
37:07
this.
37:08
This
37:08
is
37:08
the
37:08
one
37:08
that
37:08
is
37:09
so
37:09
mean,
37:10
so
37:10
much
37:10
to
37:10
me.
37:11
It
37:11
almost
37:12
doubled.
37:13
And
37:13
I
37:13
was
37:13
just
37:13
like,
37:14
pay
37:14
more.
37:15
Absolutely.
37:16
But
37:16
it's.
37:16
It's
37:17
insurance.
37:17
It's
37:17
smart
37:18
to
37:18
have.
37:18
Because
37:18
it
37:19
is.
37:19
And
37:19
with
37:20
art,
37:20
too,
37:20
even
37:20
more.
37:21
So.
37:21
That
37:21
could
37:21
be
37:21
a.
37:22
That
37:22
could
37:22
be
37:22
a
37:23
bathroom
37:23
bathtub
37:24
overflowing
37:24
upstairs.
37:25
It
37:25
could
37:25
be
37:26
something
37:26
so
37:26
simple,
37:26
it
37:26
doesn't
37:27
have
37:27
to
37:27
be
37:27
a
37:27
tornado
37:28
or
37:28
a
37:28
fire.
37:29
It
37:29
could
37:29
be
37:29
something
37:29
very
37:30
simple
37:30
that
37:30
gets
37:30
that
37:31
thing
37:31
damaged.
37:32
And
37:32
now
37:32
you're
37:32
trying
37:33
to
37:33
make
37:33
a
37:33
claim.
37:34
Exactly.
37:34
But
37:35
you
37:35
just
37:35
mentioned
37:36
something
37:36
you.
37:37
And
37:37
you
37:37
had
37:37
asked.
37:38
Is
37:38
there
37:38
anything
37:38
we're
37:38
missing?
37:39
So
37:40
one
37:40
more
37:40
minute
37:40
of
37:41
climate
37:42
change.
37:42
So
37:43
climate
37:43
change
37:44
and
37:44
how
37:44
it
37:44
affects
37:45
insurance.
37:46
So
37:47
we
37:47
know
37:47
that
37:48
climate
37:48
change
37:48
is
37:49
causing
37:49
more
37:49
frequent
37:50
and
37:50
stronger
37:51
storms,
37:52
whether
37:52
it's
37:52
hurricanes,
37:53
tornadoes,
37:53
or
37:53
in
37:54
the
37:54
event
37:54
of
37:54
the
37:54
west.
37:54
In
37:55
the
37:55
west
37:55
are
37:56
fires.
37:56
Yeah.
37:57
Much
37:57
bigger
37:57
fires.
37:58
What
37:58
that's
37:59
happening.
37:59
What's
37:59
happening
38:00
then
38:00
is
38:00
insurers
38:01
are
38:01
having
38:01
to
38:01
pay
38:02
out
38:02
more
38:02
than
38:02
they've
38:03
ever
38:03
had
38:03
to
38:03
in
38:04
the
38:04
last
38:04
few
38:04
years,
38:04
they've
38:05
been
38:05
huge
38:05
payouts,
38:06
which
38:07
is
38:07
why
38:08
insurers
38:08
are
38:08
leaving
38:09
some
38:09
markets
38:10
like
38:10
Florida
38:11
and
38:11
California,
38:12
and
38:12
we're
38:12
starting
38:13
to
38:13
hear
38:13
rumblings
38:14
about
38:14
it
38:14
in
38:14
some
38:14
parts
38:15
of
38:15
Oregon
38:15
and
38:15
that
38:15
sort
38:16
of
38:16
thing
38:16
where
38:17
you
38:17
cannot
38:17
get
38:18
a
38:18
policy
38:18
anymore.
38:19
And
38:19
what
38:20
that
38:20
means
38:20
for
38:20
us
38:20
as
38:21
individuals
38:22
is
38:22
a,
38:22
our
38:22
rates
38:23
are
38:23
going
38:23
to
38:23
go
38:23
up.
38:24
I
38:24
just
38:24
saw
38:24
a
38:24
news
38:25
story
38:25
the
38:25
other
38:25
day
38:25
talking
38:26
about
38:26
how
38:26
they're
38:26
going
38:26
up.
38:27
And
38:27
then
38:28
the
38:28
second
38:28
point
38:29
of
38:29
that
38:29
is
38:30
they're
38:30
going
38:30
to
38:31
be
38:31
much
38:32
more
38:32
difficult
38:33
in
38:33
their
38:33
negotiations.
38:34
They're
38:34
going
38:34
to
38:34
be
38:34
much
38:35
harder,
38:35
much
38:35
more
38:36
hard
38:36
nosed
38:36
because
38:37
they're
38:37
trying
38:37
to
38:37
protect
38:38
their
38:38
profits.
38:38
Which
38:39
just
38:39
leads
38:40
me
38:40
to
38:40
say
38:40
again,
38:41
you
38:42
have
38:42
to
38:42
have
38:42
the
38:42
proof.
38:43
Without
38:43
proof,
38:43
you're
38:44
in
38:44
a
38:44
much
38:44
weaker
38:45
negotiating
38:45
position.
38:46
One
38:46
other
38:47
thing
38:47
too
38:47
that
38:47
I'm
38:48
seeing,
38:48
and
38:48
this
38:48
is
38:48
just
38:48
a
38:49
little
38:49
side
38:49
note,
38:49
to
38:50
make
38:50
sure
38:50
you're
38:50
maintaining
38:51
your
38:51
property,
38:51
I
38:51
am
38:52
seeing
38:53
companies
38:53
out
38:53
there
38:54
that
38:54
are
38:54
name
38:54
brand
38:55
companies
38:55
that
38:55
are
38:55
jumping
38:56
on
38:56
to
38:56
either
38:57
satellite
38:57
companies
38:58
or
38:58
using
38:59
Google
38:59
Earth
39:00
and
39:00
stuff.
39:00
And
39:00
all
39:00
of
39:00
a
39:01
sudden
39:01
people
39:01
are
39:01
getting
39:02
in
39:02
an
39:02
email
39:03
or
39:03
in
39:03
the
39:03
mail
39:04
certified
39:04
to
39:04
them
39:05
saying,
39:06
we
39:06
see
39:06
stuff
39:06
on
39:07
your
39:07
roof
39:07
and
39:07
it
39:07
looks
39:07
like
39:08
you're
39:08
not
39:08
maintaining
39:08
your
39:09
property.
39:09
You
39:09
have
39:09
too
39:10
many
39:10
things
39:10
out
39:10
there.
39:11
Yeah.
39:11
Better
39:11
get
39:12
it
39:12
done
39:12
or
39:12
we're
39:12
going
39:12
to
39:12
cancel
39:13
you
39:13
in
39:13
60
39:13
days.
39:14
Please
39:14
send
39:14
us
39:14
new
39:14
pictures
39:15
once
39:15
you
39:15
have
39:15
it
39:15
handled.
39:16
Yeah,
39:16
there's
39:16
a
39:17
restoration
39:17
company
39:17
in
39:18
Southern
39:18
California
39:19
that
39:19
started
39:19
up
39:20
a
39:20
separate
39:20
well,
39:21
call
39:21
it
39:21
subdivision.
39:22
That
39:23
is
39:23
Wildfire
39:24
preparation
39:24
for
39:24
your
39:25
landscaping.
39:26
So
39:26
how
39:26
do
39:26
you
39:27
build
39:27
that
39:27
defense
39:28
perimeter
39:28
around
39:28
your
39:29
property
39:29
and
39:29
all
39:29
that,
39:30
which
39:30
is
39:30
all
39:31
great
39:31
for
39:31
all
39:31
the
39:31
natural
39:32
disasters.
39:32
We
39:33
have
39:33
all
39:33
kinds
39:33
of
39:33
advice
39:34
on
39:34
how
39:34
to
39:34
prepare.
39:35
Yeah.
39:35
And
39:35
with
39:36
that
39:36
one,
39:36
there's
39:37
one
39:37
piece
39:37
they
39:38
always
39:38
mention
39:38
do
39:38
home
39:39
inventory.
39:39
It
39:39
never
39:39
gets
39:40
done.
39:40
But
39:40
here's
39:41
the
39:41
thing,
39:41
when
39:41
it
39:41
comes
39:42
to
39:42
that,
39:42
if
39:43
you're
39:43
not
39:43
prepared
39:44
for
39:44
a
39:44
complete
39:45
loss,
39:45
you're
39:46
not
39:46
prepared.
39:46
You're
39:47
not
39:47
fully
39:47
prepared
39:48
100%.
39:49
And
39:49
technology,
39:50
I
39:50
will
39:50
say,
39:50
is
39:50
getting
39:51
so
39:51
good
39:51
out
39:51
there.
39:51
I've
39:52
talked
39:52
to
39:52
some
39:52
of
39:52
these
39:53
companies
39:53
that
39:53
if
39:53
you
39:53
lived
39:54
in
39:54
Southern
39:54
California,
39:55
Wildfire,
39:55
they
39:56
come
39:56
in
39:56
and
39:56
have
39:57
high
39:57
pressure
39:58
sprinkler
39:58
systems
39:58
that
39:59
they
39:59
can
39:59
put
39:59
in
40:00
with
40:00
storage,
40:00
where
40:01
they
40:01
can
40:01
literally
40:01
put
40:02
a
40:02
fog
40:02
of
40:02
water
40:03
over
40:03
your
40:03
house
40:04
that's
40:04
already
40:04
plumbed
40:05
in.
40:05
There's
40:06
smart
40:07
devices
40:07
now
40:08
you
40:08
can
40:08
plug
40:08
into
40:08
your
40:09
home
40:09
that
40:09
monitor
40:10
your
40:10
electrical
40:10
system
40:11
that'll
40:11
tell
40:11
you
40:11
before
40:11
you
40:12
have
40:12
an
40:12
electrical
40:12
short,
40:13
you've
40:13
got
40:13
a
40:13
problem.
40:14
I've
40:14
got
40:14
a
40:14
new
40:15
product
40:15
showing
40:15
up
40:15
my
40:16
house
40:16
right
40:16
now
40:16
that
40:16
you
40:16
plug
40:17
in
40:17
the
40:17
wall
40:17
that
40:17
detects
40:18
open
40:18
flame
40:19
in
40:19
the
40:19
room.
40:20
Wow,
40:21
that's
40:22
very
40:22
cool.
40:22
I
40:23
got
40:23
that
40:23
showing
40:23
up
40:23
here
40:24
in
40:24
the
40:24
next
40:24
week
40:24
and
40:25
literally
40:25
I
40:25
could
40:25
go
40:26
sit
40:26
behind
40:26
my
40:27
couch,
40:27
grab
40:28
a
40:28
lighter
40:29
behind
40:29
the
40:29
couch
40:30
with
40:30
it
40:30
being
40:30
on
40:30
the
40:30
other
40:31
side,
40:31
hit
40:31
the
40:32
lighter
40:32
and
40:32
it
40:32
will
40:32
say,
40:33
open
40:33
flame
40:34
detected.
40:34
Wow.
40:35
So
40:36
technology
40:37
is
40:37
going
40:37
to
40:37
help
40:37
us,
40:38
but
40:38
guess
40:38
what?
40:39
It
40:39
still
40:39
doesn't
40:40
solve
40:40
the
40:40
problem
40:41
that
40:41
you
40:41
still
40:41
need
40:41
to
40:42
have
40:42
this
40:42
stuff
40:43
inventoried.
40:44
And
40:44
Ken,
40:44
thanks
40:45
for
40:45
coming
40:45
on
40:45
today,
40:45
man.
40:46
You
40:46
guys
40:46
are
40:47
doing
40:47
something
40:47
that's
40:48
super
40:48
important.
40:48
And
40:49
the
40:49
most
40:49
important
40:50
thing
40:50
here.
40:50
How
40:50
do
40:51
people
40:51
find
40:51
you?
40:53
WW
40:55
Virtual
40:55
Home
40:55
Inventory
40:58
is
40:59
503,
41:00
248.
41:01
1101
41:01
is
41:01
the
41:02
phone
41:02
number.
41:02
I
41:03
am
41:03
more
41:03
than
41:03
happy.
41:04
Call,
41:04
ask
41:04
me
41:05
questions.
41:05
There's
41:06
no
41:06
high
41:06
pressure
41:07
sales.
41:07
I
41:08
really
41:08
just
41:08
want
41:08
to
41:08
educate
41:09
you
41:09
and
41:09
help
41:09
you
41:09
understand
41:10
why
41:10
you
41:10
need
41:11
all
41:11
of
41:11
this.
41:11
And
41:11
I'm
41:12
more
41:12
than
41:12
happy
41:12
to
41:12
answer
41:13
any
41:13
questions
41:13
you
41:13
have.
41:14
On
41:14
the
41:14
website
41:15
is
41:15
a
41:15
lot
41:15
of
41:15
the
41:15
same
41:16
info
41:16
that
41:16
details
41:17
it
41:17
all
41:17
out.
41:17
There
41:18
is
41:18
also
41:18
an
41:18
actual
41:19
inventory
41:19
on
41:19
there.
41:20
You
41:20
can
41:20
walk
41:20
through
41:20
and
41:21
see
41:21
exactly
41:22
what
41:22
I
41:22
deliver.
41:23
And
41:23
by
41:23
the
41:23
way,
41:24
everything
41:24
is
41:25
in
41:25
that
41:25
3D
41:26
model.
41:26
However,
41:27
also
41:28
downloadable
41:28
for
41:28
the
41:28
client
41:29
is
41:29
every
41:30
photo
41:30
that
41:30
I
41:30
take
41:31
inside
41:31
separately.
41:32
It's
41:32
all
41:33
organized
41:33
by
41:33
room
41:34
and
41:34
labeled
41:34
properly.
41:35
That's
41:35
downloadable
41:36
for
41:36
you.
41:37
And
41:37
when
41:37
I
41:37
do
41:38
things
41:38
like
41:39
the
41:39
model
41:39
number,
41:39
serial
41:40
numbers
41:40
and
41:40
get
41:40
to
41:40
that
41:41
level
41:41
of
41:41
detail
41:41
or
41:42
other
41:42
individual
41:42
items,
41:43
I
41:43
do
41:43
schedule
41:44
those
41:44
on
41:44
spreadsheets.
41:45
So
41:45
you
41:46
have
41:46
that
41:46
scheduled.
41:47
And
41:47
that's
41:48
something
41:48
you
41:48
can
41:48
build
41:49
upon.
41:49
You
41:50
should
41:50
build
41:50
upon
41:51
as
41:51
you
41:51
add
41:51
more.
41:52
And
41:52
the
41:53
other
41:53
thing
41:53
is
41:54
with
41:54
an
41:54
inventory,
41:55
once
41:55
you
41:56
have
41:56
it,
41:56
maintain
41:57
it.
41:57
So
41:58
for
41:58
the
41:58
next
41:59
year,
41:59
have
42:00
that,
42:00
whether
42:00
it's
42:00
on
42:01
your
42:01
computer
42:01
or
42:02
a
42:02
physical
42:02
one.
42:03
Because
42:03
some
42:03
of
42:03
us
42:03
still
42:03
like
42:04
manila
42:04
folders.
42:05
Put
42:05
your
42:05
receipts,
42:06
I.
42:06
Oh,
42:06
I
42:06
have
42:06
them
42:07
on
42:07
my
42:07
desk.
42:07
Yeah,
42:08
put
42:08
your
42:08
receipts
42:08
in
42:09
there.
42:09
And
42:09
once
42:10
a
42:10
year,
42:10
all
42:10
you
42:11
have
42:11
to
42:11
do
42:11
is
42:11
take
42:11
those
42:12
receipts,
42:12
find
42:13
those
42:13
items,
42:13
document
42:14
them,
42:14
you're
42:14
updated
42:15
hour
42:16
or
42:16
two,
42:16
you're
42:16
done.
42:17
There
42:17
you
42:17
go.
42:18
That
42:18
simple.
42:19
Ken,
42:19
Aaron,
42:20
thanks
42:20
for
42:20
coming
42:20
on
42:20
today,
42:21
guys.
42:22
Check
42:22
him
42:22
out@virtualhomeinventory.com
42:25
Be
42:25
prepared
42:25
for
42:26
that
42:26
next
42:26
time.
42:27
Thanks
42:27
for
42:27
coming
42:27
on
42:27
today,
42:27
man.
42:28
Thanks
42:28
so
42:28
much,
42:28
Eric.
42:29
I
42:29
really
42:29
appreciate
42:29
it.
42:29
It's
42:30
been
42:30
a
42:30
lot
42:30
of
42:30
fun.
42:31
It's
42:31
been
42:31
great.
42:31
I'm
42:32
Eric
42:32
G.
42:32
And
42:32
you've
42:32
been
42:32
listening
42:33
to
42:33
around
42:34
the
42:34
House
42:42
Somewhere
42:44
Unseen
42:46
and
42:47
undiscovered
42:49
Anywhere
42:50
beyond
42:51
the
42:51
me
42:52
Love
42:53
is
42:53
a
42:53
love
42:53
song
42:54
let's
42:54
be
42:55
lovers
42:56
we're
42:56
all
42:56
over
42:57
the
42:57
radio
42:59
Take
42:59
my
42:59
hand
43:00
I
43:00
know
43:01
where
43:01
to
43:01
go
43:03
all
43:03
over
43:03
the
43:04
radio
43:05
with
43:05
you
43:09
we're
43:09
all
43:10
over
43:10
the
43:10
radio.