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After a fire wreaks havoc on your home and life, you will have several tasks, which could quickly become quite daunting, to complete to ensure you receive an equitable and fair settlement from your insurance carrier. One of these tasks includes the preparation of a home inventory of your personal property. This catalog will list every item you own as well as each item’s age and worth.
To eliminate some of the stress caused by the fire and to expedite the claims process, we recommend you preemptively create a comprehensive electronic inventory and store it off-site or in a cloud-based program. The proactive creation of the inventory is particularly important because it could be difficult to remember the details of all your belongings after the traumatic experience of a fire. It is important to thoroughly document your personal property by logging a description along with the make, model, and serial number, if applicable, of each item; the related value and purchase date should also be recorded. Videos and photographs of the items are equally valuable. Additionally, if possible, you should scan and save any receipts or appraisals related to your belongings.
As you are likely gathering, the preparation of the home inventory will take a great amount of both time and effort. You may be wondering where or how to begin. We suggest moving room to room throughout your house. As you do so, you should list all personal property items in each room and take photographs of each item as you go. You may also want to complete a video walkthrough of the home for visual and audio evidence. It is important not to forget to document items that are out of sight, such as those in drawers and closets. We remind you to also record items in your basement, attic, and garage.
As you acquire, sell, donate, or dispose of items, be sure to update your home inventory.
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