The bad news is that natural disasters are unpreventable. The good news is that you can be prepared to file a claim on your homeowners, renters' or auto insurance! Homeowners and renters' insurance policies typically protect personal property (up to a certain limit stated within the policy), but to file a claim, you'll need to know what's missing and its value.
When filing a claim, insurers will often require a list of items that have been lost or damaged. In most cases, you'll be asked to provide some type of proof that you own these items, such as receipts or bills (so there's no getting away with adding a new 3D TV to your home inventory list at the last minute - darn!).
All homeowners with an insurance policy should perform a home inventory. This very exciting task means that you'll go around your home and record, on paper and digitally, all of your home possessions. This means you'll have a physical list and a digital catalogue of all of your belongings, receipts of items, and individual value! Creating this list means that you can easily refer back to it should your possessions get stolen or damaged and it makes the claim filing much easier!
Make a Thorough Checklist
Make a list of all of your possessions and back it up with relevant information. You'll want to include the type of item, make, model, year of purchase, and original price. Be sure to attach sales receipts, purchase contracts, and appraisal documents which will ease the filing of a claim. Keep this inventory list in a safe place, such as a safety deposit box and update it whenever you make a big purchase!
Visual Guidance
Take photos or a video of all of your possessions for digital proof! This gives you and the insurer a clearer picture of what you own and proof of ownership.
Incase the unexpected occurs, your homeowners, renters, and auto insurance policy protects your possessions! For a quality insurance quote in Brentwood, CA, contact Jack Stone Insurance Agency to get started on your tailored policies today!
