After a fire, flood or other disaster, the insurance claim needs to list all items lost or damaged. Having a home inventory makes this easy—and speeds up the process.
Step 1. Decide between photos and video. Photos need to be labeled with the item’s description and cost—but some smartphones and digital cameras let you add this when saving. With video, you can just say this info while shooting. Apps are also available.
Step 2. Walk through your home, shoot and describe (or write down) the contents. Turn on all lights and open all cabinets, drawers and closets. Count clothing by category—10 shirts, 6 sweaters, etc. Collect receipts, record serial numbers. Ask your insurance agent if jewelry and collectibles need special coverage. Don’t forget: pictures, mirrors, ceiling fixtures, basement, attic, garage and off-site storage.
Step 3. Store your inventory in an online storage account or on an external drive kept with paper documents safely off premises.
Step 4. Update the inventory with new purchases.
When you’re ready to give your contents a new home, or refinance for an upgrade or lower rate, please text, email or call us any time… Have a great day!
Categories: Articole de interes general