Disasters never come giving a prior notice. In fact, they usually hit you when you least expect them. Therefore, if you want to get the most out of your home insurance claim, you must be well prepared for the same much in advance. Act now to secure your future. One of the most important things that you have to do is to inventory your home thoroughly. When a home is damaged or destroyed, you are under huge mental stress and it becomes very difficult for you to tell your insurance company what items where stored in your home. Though the big items, such as refrigerator, washers, furniture, and other such things are easy to remember, but you may not be able to prepare a list of smaller items. Moreover, if you do not have proper receipts and bills of the items that you claim were in your home, the insurance company will do their best not to pay you for the same. So, make sure that you follow this strategy and prepare yourself beforehand.
Make A List Of All The Items Stored In Your Home
While you are filing a home insurance claim, you will need to provide the insurer a list of all the items that were stored in your home. So, start making that list now and keep updating the same whenever you buy or sell something. Do not keep this list in your home because you may lose this list along with other stuffs when your home is damaged or destroyed. Keep it in a safe place, such a bank locker.
Digitalize Your Inventory
Recording videos and taking photographs of the various items can also be a nice idea to make your home insurance claim strong. It will give the insurance company a good idea that where the different stuffs were kept in your home. Make sure that you include everything, such as home improvements like adding cabinets, fireplaces, and closets. Get photos and record videos both from inside and outside of your home. For example, it will add muscles to your claim if the photos of sheds, landscaping, deck, and accessories like charcoal grills or gas are also included in your inventory.
Write Down Everything On Paper
It may be a nice idea to note down everything in a computer file, but make sure that you also have a hard copy of the same. So, print it on paper. Include all the information associated with the items, such as purchase dates, prices, and receipts. If you do not include all the information, the insurer is very much likely to add all the items at a much-depreciated value.
On the other hand, if you have the receipt indicating the actual cost of the stuff and its purchase date, you will be able to cash in more as part of your home insurance claim.