Nobody likes to think about the bad things that can happen to their home. Every year about 6% of all homeowners file a claim. Filing a claim is not something that anyone looks forward to. Lots of questions and paperwork are involved. About 98% of claims are for property damage, which involves loss of personal property. If you are one of the 52% of homeowners who have a home inventory, you will have a much easier time with your claim. At Anderson Atwood Consulting in Denver, CO, we are locally owned and operated with a mission to always put our customers first.
A home inventory is a listing of your possessions. It makes it much easier when you file a claim if you have already documented everything. You don’t have to try to remember all of the things you had before your home was damaged, perhaps totally. Picture looking at a pile of ashes and trying to reconstruct what was in each room.
Creating a home inventory is going to take some time, probably quite a bit of time. But the rewards that will come if you ever have to file a claim are so worth it. You have a couple of options. You can use a pad and a pen or create a digital inventory. No matter which option you choose, photos should be part of it. You also need to include as much backup information as possible in the form of receipts and invoices. Be as detailed as possible, and leave no surface out of the inventory. When you are finished, place the inventory in a safe place, hopefully off-site.
At Anderson Atwood Consulting in Denver, CO, we are an independent agency, and we can offer you choices. Come by our office or give us a call, and we can give you a free home insurance quote.