Close your eyes and picture your living room. You probably have a couch, a chair, a table, and a television. Now open your eyes and look at all the stuff that you didn’t think about. Curtains, lamps, your CD collection – those are all claimable as personal property in the event of a loss. If you can’t remember all the stuff you have right now, do you really think you’ll be able to remember it all when you’re dealing with the aftermath of a tornado or break-in?
Fortunately, we have a solution for you. Print out this home inventory form and fill it out. For electronics and appliances, write down the model & serial number if you have quick access to that information. If you can’t remember how much an item cost, make your best guess. Failing that, search for the item on the internet and find out what it would cost to replace it. If you have any special collections, open up Word and start a list of each item.
Don’t have time to fill out a form? Take out your handy-dandy smartphone and fire up the camera app. Take a couple of photos of each room in your house. Take extra photos of any collections.
Once you’ve completed your lists, or taken your photos, store them in a safe place off-site. Contact your insurance agent and see if they can keep a copy in your file.
Taking a few moments now to catalog your belongings can save you a lot of time and hassle in the event that you have a claim. Questions? Call Moses Hejny at 903-892-8068.