Do you have the winter time blues? Cabin fever? Looking for a way to pass the time? Why not take a few minutes if you?re stuck inside this winter to make a home inventory? If disaster strikes or your home is burglarized and your belongings are destroyed or stolen, a home inventory makes the insurance claims process a lot simpler. Being able to provide a detailed home inventory to a claims adjuster can help you and your insurance company settle on a fair amount for your belongings and it helps you get your possessions replaced quicker. Creating a home inventory doesn?t have to be completely daunting. Here are a few tips for compiling your home inventory:
- Details, details, details. A home inventory includes a comprehensive list of all your belongings, along with receipts (if you have them), photos, and descriptions. For items such as electronics be sure to record the serial number of the item.
- Divide and conquer. Instead of making one long list of your items, break it down by room and/or type of item, such as clothing, heirlooms, electronics, and jewelry. This will make the home inventory less overwhelming and decrease the chances that you?ll overlook something.
- Know what your stuff is worth. If you have antiques, family heirlooms, or other valuables that don?t have receipts, you may want to have them appraised in order to determine their value.
- Don't forget to check the attic. When taking your inventory, make sure you don?t overlook items that are stored in the closet, drawers, attic, or garage. Bicycles, holiday decorations, and sports equipment may be out of sight, but their cost adds up. Make sure you include everything ? even if it?s in storage ? on your list.
- Add it up. Once you have a full document of all your belongings, along with their values, add up all the items in your home and their total cost.
- Keep it safe. Store your complete home inventory with your insurance policy in a safe, easily accessible place, such as a fireproof box, safe deposit box, or other secure location. Technology today also makes it possible to keep your home inventory digitally using cloud storage.
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Take stock annually. Remember to review and update your inventory each year, or whenever you make a significant purchase, to ensure your new items are documented.
Posted Monday, February 18 2013 9:48 AM
Tags : home inventory, home insurance, house, winter blues, California, San Diego
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Source: http://www.awhis.com/blog/7_tips_for_making_a_home_inventory_this_winter.aspx
Suzy Favor Hamilton mayan calendar end of the world end of the world december 21 2012 norad 12/21/12
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