Re: Database for when it all goes wrong

["Simon Coates" <ecolume@xxxxxxx>]

The other side to the story is that when I told our insurance company what
we were doing with home automation and security systems they were extremely
interested and said they would like to visit the house when it's finished
(when???) and lower our premium because of the technology that's installed
:o)

Definitely think that compiling a database is a very good idea though.  But
if the worse did happen and the house burnt down I can't imagine how much
another total rewire would cost.  If there is a reduction in the contents
insurance then that would probably be cancelled by an increase in the
building insurance :o(

Regards

Simon


----- Original Message -----
From: Richard Challis <richard@xxxxxxx>
To: <ukha_d@xxxxxxx>
Sent: 17 February 2002 10:32
Subject: [ukha_d] Database for when it all goes wrong


> Although this doesn't have anything technology wise related to
actually
> "home automating". I don't believe it is off-topic.
>  Something that has been bugging me lately. I have house insurance, a
number
> of items are specifically listed on the insurance. A lot of the
technology
> isn't.
>
>  I will be shortly installing comfort to work alongside my homevision,
but
> it can only really alert you when some **** has already decided to
take
> steps to help themselves to the stuff that you have worked hard to buy
in
> the first place.
>
>  So I'm looking at the prospective of having to claim from the house
> insurance to get back as much as I can that can be replaced with money
after
> the worse case happens.
>
>  The other thing that could happen is a fire. When you think how much
> electronics we have in our homes now days and how hot some of it
appears
to
> run at. (I am an electrical / industrial automation engineer by
profession -
> hot electronics unfortunally does sometimes go wrong and some clients
are
> not as conservative as they should be when rating items)
>
>
>
> Right - I'm looking at putting together a database with high quality
digi
> photos of the kit, serial numbers etc. I've begun building this
database
but
> obviously this is a task that is quite big and time consuming and you
hope
> to never use. (Quite unlike, say, our mp3 databases!)
>
> The obvious things like description, model number and serial number
and a
> couple of photos of the item.
>
>  What information is really necessary. What convinces a loss assessor
that
> your claim is as big as it is and is genion. Scans or photocopies of
> receipts would be helpful if such a thing still exists.
>
>  What I could like to end up with at the end is a CD or two that I can
keep
> with the parents or in the families safe deposit box (hence not
wanting
much
> bulk) but still being useful incase it all goes wrong and the worse
case
> does happen.
>
>  I've discussed this with my insurance broker, but would be grateful
for
the
> lists input.
>
>  I hope I haven't come across as too paranoid! :)
>
>  Regards
>
>      Richard
>
>
>
>
>
>
>
> For more information: http://www.automatedhome.co.uk
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