Disasters are usually unexpected; therefore you rarely have time to prepare for them. Now ask yourself, if you lost all your belongings due to a disaster could you name everything you own? Would you be able to list every detail including the brand name, cost and year purchased? Understandably most people would not even know where to start. Therefore, proper documentation of your personal property is key if the unexpected where to happen and you needed to file a claim with your insurance company. It is very important to take an inventory of your possessions before a disaster hits since you will need to prove you owned the items that you claimed were destroyed and verify their worth.
An inventory of your possessions should include the following information:
- A written list of all your possessions and descriptions.
- Receipts of valuable items.
- Serial numbers of valuable items.
- Photos of all your possessions in your home.
First, gather as much information as possible, such as brand names, model numbers, and specifications so that a cost can quickly be determined. You can group the items by room (living room) or by category (jewelry) so that you don’t overlook anything in your home. Also, collect all receipts you may have of valuable items and put them in a binder along with a printed list of your possessions. Don’t forget to update the list and binder annually or when making major purchases. As you go room by room making your list, take pictures of all the items you are writing down.
Lastly, store a copy of this information away from the home, in a save deposit box or with a family member, so that it does not get destroyed if a fire or other unexpected event occurred. The more information you have, the faster you’ll be able to recover from a disaster. Visit www.FirstProtector.com for more information.