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Contents list for insurance claim
Have you ever wondered what the value of the items in your home are? An easy way to find out is to do a home inventory list, and the best time to do it is now. A home inventory list is just that, a list of the contents of your home. Making a home inventory list may seem like a stressful task, but there are a few ways to get started that don’t have to feel like such a bother. Every person that rents or owns a home should have some form of a home inventory list. In fact, if you are getting your first apartment or you are a first-time homeowner, having a list will help you understand how much and what kind of insurance you are going to need. Also, make sure your list is finished in a timely fashion. Most insurance companies will give up to 60 days. The quicker you complete this task, the quicker your claim will be settled, and you will be paid.
Creating a home inventory list before your home is damaged makes the most sense and makes the claims process run a lot smoother, and in the long run, may make it easier and quicker to get paid. The main reason to have this list is to be able to prove your loss when filing a claim.
Most insurance companies can give you a sample of a home inventory list. When making this list, remember to pay attention to detail. The more you can say about an item, the better to prove your loss. Some of the things you should include in your item description are make, model and / or serial number. The item can be listed as “Samsung 55 inch flat screen HD television”. Also, where and when the item was purchased, if you paid cash, or what credit card it was paid with. Take into consideration the value of antiques by having them appraised. Keep receipts or photos of valuable home items.
Recently, the use of technology has made it easier for insurance company clients to create a home inventory list, and easier to prove what you own and its value. A simple pen and paper are good, but using technology is probably the most important step. Create a photo record of your belongings. Capture important individual items as well as whole rooms. Label your photos with what is pictured, where it was purchased, make and model and serial numbers. The more information about an individual item, the easier to prove its value. Also, use your video camera and tape it. Walk through your house with your video camera and describe the item you are taping, again giving as much information as possible. Open drawers, open closets and record their contents as well. Lastly, find an app. There are many mobile app options that can help you create and store a room-by-room record of your belongings. Take advantage of today’s technology, just like the insurance companies do.
A home inventory list is your way of proving what is yours. As said before, the best time to make this list, if you rent or own a home, is now, today. Keep several copies of your list, and make sure to update them whenever a major home purchase is made. Keep copies off premise and in a fire proof storage container or safe. Taking these steps will help you and your family to recover your losses and be whole again.
ICC Public Adjusters doing business in North Carolina, South
Carolina and Georgia
It’s obvious, Call us to assist you in planning your claims process time line.
Even if you don’t hire us, we will help you get started, and offer valuable hints and insight into this complex claims process.
At ICC, we work solely on the policyholder’s behalf, so you can be sure you are getting the best independent and customer-focused service. If you don’t succeed, we don’t succeed
- Detail the full scope of property damage and estimate repair costs
- Perform content loss, personal injury and business impairment assessments
- Contract specialist to underpin and validate any claims
- Liaise directly with your insurance company, acting solely on your behalf
- Obtain the maximum pay-out possible subject to the findings of our reports
- Ensure your property is returned to its original state as soon as reasonably viable