Do you have a home inventory of all your belongings? If not, you are not alone. A complete home inventory can be incredibly helpful in the event of a water or fire disaster that damages your belongings. Knowing which items are in your home and their value will help make sure you have the right amount of insurance protection, and can make it easier to file an insurance claim in the event of a loss due to fire or water damage.
If you do not have a home inventory or haven’t taken the time to keep yours up-to-date, consider creating one. It is best to be prepared for disaster, and having an inventory of the contents of your home can provide peace of mind.
Many property insurance companies today have apps or online tools that you can use to create your home inventory. Consider using one of these tools if they are available, as it can make getting started and staying organized easier.
If you prefer to create your own list, here are a few tips to keep in mind:
– Make a detailed list of your belongings, organized by room
– Include as much information as possible including manufacturers, serial numbers, the price paid for the item and when it was purchased
– Take photographs or videos of the contents in each room of your house, focusing on high value items or large collections
– Remember to update the inventory and add any new purchases or remove items you no longer have in your home
When deciding which items you need to inventory, the short answer is everything. The combined value of all the items in your home is much higher than just the high-value items, and you will want to make sure you have documentation for all the items in your home.
What this does not mean is that you need to record every little detail for every item in your home. Take extra time on high-value items like electronics, artwork and furniture and document the original cost, date purchased, and detailed photos the items. For smaller items like DVDs, books, and toys, you can list these items together with less detail. You can start with the higher-valued items and work your way down the list.
Make sure to inventory all of your belongings, and don’t forget to inventory items in storage areas like the garage, attic or shed. Photos can be incredibly helpful in the event of a water loss or fire loss, especially for those areas that you do not visit frequently. Keep a copy of your inventory someplace safe so you will be able to access it in the event of a loss.
If your personal belongings are damaged by water or fire, the team at CORE can help inventory, pack, and restore your damaged belongings. CORE provides a variety of services to assist you in the recovery of your contents.
If you have damage from a fire or flood, call CORE today.