Posted: 2/23/2008 9:59:18 PM EDT
We bought as new house over the summer and this evening I was looking through the paperwork so that I could scan it and put it with the rest of the documents I want to have. The problem is that I can't make heads or tails of it. What needs to be scanned? The packet is about the size of a medium book I just don't know if I need all of it or just a couple of pages. Help me please  , thanks
|
|
My parents have all the important docs at a bank vault, they figure it's a safer bet than the house. The originals stay there, the copies stay at home. I think they might also have an extra set of copies at another bank too <ETA> last time I saw it a few years ago it was a 3in binder that was completely full |
|
Get a copy of your deed. Loan info would be good. Home warranty and hazard insurance info should also kept with it. If the house is gone it's nice if you can call your lender and then the insurance folks. If you've done any upgrades to home take pictures of that so you can prove it to your insurance company (stuff like crown molding, faux paint, carpet, nice wood floors, etc). Get pictures of any furniture you'd like replaced in the event of a fire, flood or nuke. Get pictures of your TVs, computers, etc. It'll keep your insurance adjuster from giving you any shit. If your house is on fire and there's 10,000 rounds of .22lr in your closet let the firemen know. They'll thank you later. |
thread of knowledge, including a big list of documents to back up AND how to encrypt your storage: www.ar15.com/forums/topic.html?b=10&f=17&t=608288 ar-jedi |
Thank you Master Jedi, that's what I needed. |
not a tag |
|
On a side note to some of the suggestions posted above, is everyone aware that a bank considers its security boxes/vaults and "all the contents inside them" to be a part of their assets and could conceivably seize all the boxes & their contents in a run on the bank scenario? |
that's why my safe deposit box contents include a PIN entry keypad, a lid open trip switch, and a 10 second countdown timer.  ar-jedi |
|
Now here's a little known "gotcha", at least in California.... consumerist.com/consumer/government/havent-checked-your-safe-deposit-box-in-3-years-california-may-have-seized-your-stuff-274223.php Haven't Checked Your Safe Deposit Box In 3 Years? California May Have Seized Your Stuff There's a mess going on in the state of California. The state is accused of being overly proactive in seizing private assets that have been "abandoned" and selling them at auction. From the San Francisco Chronicle: Years ago, Carla Ruff stored her grandmother's jewelry and a file of personal documents in a safe-deposit box at her bank in San Francisco's Noe Valley, thinking they would always be there when she wanted them. Not so. Without giving her notice or acting on evidence that she'd forgotten about her cache, the bank's staff, under the auspice of the state, determined the contents of her box to be unclaimed property. In July 1997, bank records show, the pearl necklace and diamond-encrusted pin, real estate and insurance documents as well as her birth certificate were all removed. The paperwork was shredded and thrown away. Her jewelry was auctioned off on eBay -- for a fraction of its $80,000 value. Ruff said she didn't know what had happened until January 2006, when an illness in the family sent her to the Bank of America branch looking for the deed to her house. Weeks later, the bank manager told Ruff that her property had been seized by the state under a law that requires the government to take control of lost or abandoned assets. The article has several of these stories. California's asset seizure program is a cash cow for the state, generating $400 million annually from the sale of its citizen's personal property. Law suits against the state are generally unsuccessful, because an immunity clause is written into the law. Do you think you might have stuff in peril in California? The collection program has been put on hold by a federal court. You can recover frozen assets that the state might be holding by clicking here. Property is considered abandoned if there's been no contact between the holding institution and the property owner, but in the case of Carla Ruff, that wasn't the case. She was an account holder in good standing with the Bank of America branch that turned her property over to the state. Other states also have abandoned property programs. Check to see if yours does. You might find that you are owed some money. |
|
Hello, I am the owner of a real estate escrow services company. I would say that the only pertinent information from your signed paperwork would be: Promissory Note, Deed of Trust, Statuatory Warranty Deed and a copy of your Title Insurance Policy. If you need detailed descrpitions of these items, I would be happy to advise you! REman |
Scan all important documentation to a 2 gig thumb drive, encrypt said thumb drive with TrueCrypt. If "THEY" seize your safe deposit box, all they have is an encrypted thumb drive with the worlds most boring paperwork ev*vah! |