One little known tool that makes the claims process easier for home insurance is the use of a home inventory.
A home inventory is a list, group of photos, or video of all the contents in your home. When it comes to a total home loss, a home inventory can make a significant difference in the amount of your claim settlement.
Grab a camera or cell phone and follow these 3 easy steps to completing a complete home inventory…
1. Start with the Big Stuff
– First, go around your home and take pictures or video of all the large appliances and pieces of furniture in your home. Don’t forget the garage and outside. Make sure you take note of all model and serial numbers. If you have the receipts for these items handy, take pictures of those as well.
2. Do a Complete Tour
– Go through each room one by one and take pictures or video of EVERYTHING. A few things that often get forgotten are bookshelves, inside drawers, inside cabinets, and closets. Don’t forget garages, attics, and outside.
3. Protect the Files
– After you gather all your pictures, you want to make sure those files are easily accessible in the event of a covered claim. Some ideas to keep those files safe are..
o Upload to your email
o Upload to cloud storage such as Google Drive
o Upload to a thumb drive and store somewhere other than your home
o Send to your agent to attach to your file
While a home inventory may take some time, it will make the claims process so much easier and will most likely result in a greater claims settlement.
If you have questions about completing a home inventory, please give us a call at 615-919-1009. We would be happy to help!