Many homeowners believe their insurance policy has them fully covered in the event of fire, flood, or theft. But the reality is different. When disaster strikes, insurance carriers require one thing above all else: proof.
This is exactly why insurance isn’t enough. Without documented proof of ownership and value, claims may be delayed, disputed, or denied altogether. AVI helps homeowners close that gap with certified appraisals and 3D HomeScan services designed to meet carrier requirements and bring peace of mind.
Real Claims, Real Losses: When Documentation Is Missing
A family in the Midwest lost their home to a winter fire. They assumed their insurance would reimburse them in full. But when it came time to file the claim, they had no itemized documentation. No visual inventory. No appraisals. The result? A payout far below the true value of what they lost.
This is not uncommon. Insurers routinely reduce or reject claims when:
- No proof of ownership exists
- No valuation is on file for high-value items
- Generic photos or memory-based lists are submitted
3D Scans and Appraisals: What Insurance Actually Wants
Most policies require you to prove both ownership and value, especially for items like artwork, collectibles, heirlooms, and luxury goods. AVI makes this simple:
- Our 3D HomeScan provides a timestamped visual inventory of your entire home
- Tagged items can be submitted for Certified Appraisals
- Everything is stored securely and ready to submit to your insurer
This kind of documentation is what turns a stressful claim into a successful reimbursement.
What to Document Before Winter
With colder months approaching, homeowners face increased risks from:
- Frozen pipes
- Heating malfunctions
- Electrical fires
- Ice or storm-related structural damage
The time to document is before seasonal threats increase. A single scan and optional appraisals now could save you months of paperwork and thousands in lost claim value later.
Protect What You Own Before It’s Too Late
AVI is trusted by homeowners, estate planners, and insurance professionals across the country. We specialize in filling the documentation gap that most policies overlook.
Get your Instant 3D HomeScan Estimate and schedule your scan today!